Call reports 2004
STATE BANK OF SLATER — 2004
What STATE BANK OF SLATER 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 | 32,949,000 | 32,682,000 | 32,410,000 | 35,222,000 |
| Total loans | 23,257,000 | 24,691,000 | 25,344,000 | 25,749,000 |
| Allowance for loan losses | 274,000 | 276,000 | 284,000 | 296,000 |
| Securities available for sale | 4,186,000 | 4,319,000 | 4,251,000 | 5,443,000 |
| Securities held to maturity | 659,000 | 614,000 | 613,000 | 613,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,762,000 | 28,441,000 | 28,021,000 | 30,924,000 |
| Interest-bearing deposits | 25,261,000 | 24,743,000 | 24,471,000 | 26,962,000 |
| Noninterest-bearing deposits | 3,501,000 | 3,698,000 | 3,550,000 | 3,962,000 |
| Equity capital | 3,546,000 | 3,593,000 | 3,697,000 | 3,670,000 |
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 | 424,000 | 852,000 | 1,298,000 | 1,759,000 |
| Interest expense | 90,000 | 177,000 | 265,000 | 364,000 |
| Net interest income | 334,000 | 675,000 | 1,033,000 | 1,395,000 |
| Noninterest income | 20,000 | 42,000 | 64,000 | 86,000 |
| Noninterest expense | 255,000 | 478,000 | 719,000 | 979,000 |
| Provision for loan losses | 5,000 | 5,000 | 10,000 | 49,000 |
| Pretax income | 94,000 | 234,000 | 368,000 | 453,000 |
| Income tax | 32,000 | 82,000 | 133,000 | 159,000 |
| Net income | 62,000 | 152,000 | 235,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,531,000 | 3,620,000 | 3,703,000 | 3,692,000 |
| Total capital | 3,805,000 | 3,896,000 | 3,987,000 | 3,988,000 |
| Risk-weighted assets | 23,412,000 | 24,601,000 | 25,143,000 | 25,885,000 |