Call reports 2004
SANBORN SAVINGS BANK — 2004
What SANBORN SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 37,964,000 | 39,117,000 | 38,249,000 | 39,736,000 |
| Total loans | 27,923,000 | 28,621,000 | 28,677,000 | 29,675,000 |
| Allowance for loan losses | 288,000 | 292,000 | 285,000 | 287,000 |
| Securities available for sale | 8,481,000 | 8,679,000 | 8,056,000 | 7,836,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,404,000 | 30,938,000 | 30,372,000 | 32,195,000 |
| Interest-bearing deposits | 28,630,000 | 28,841,000 | 28,149,000 | 29,628,000 |
| Noninterest-bearing deposits | 1,774,000 | 2,097,000 | 2,223,000 | 2,567,000 |
| Equity capital | 3,803,000 | 3,745,000 | 3,833,000 | 3,871,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 502,000 | 1,009,000 | 1,526,000 | 2,054,000 |
| Interest expense | 169,000 | 338,000 | 506,000 | 687,000 |
| Net interest income | 333,000 | 671,000 | 1,020,000 | 1,367,000 |
| Noninterest income | 25,000 | 57,000 | 88,000 | 110,000 |
| Noninterest expense | 245,000 | 498,000 | 750,000 | 1,013,000 |
| Provision for loan losses | 5,000 | 9,000 | 16,000 | 35,000 |
| Pretax income | 108,000 | 221,000 | 342,000 | 429,000 |
| Income tax | 4,000 | 8,000 | 12,000 | 21,000 |
| Net income | 104,000 | 213,000 | 330,000 | 408,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,365,000 | 3,471,000 | 3,443,000 | 3,519,000 |
| Total capital | 3,653,000 | 3,763,000 | 3,728,000 | 3,806,000 |
| Risk-weighted assets | 28,682,000 | 29,752,000 | 29,663,000 | 30,629,000 |