Call reports 2004
STATE BANK OF BLUE RAPIDS — 2004
What STATE BANK OF BLUE RAPIDS 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 | 31,896,000 | 32,165,000 | 30,426,000 | 31,646,000 |
| Total loans | 16,364,000 | 18,599,000 | 17,845,000 | 17,726,000 |
| Allowance for loan losses | 250,000 | 227,000 | 252,000 | 258,000 |
| Securities available for sale | 11,560,000 | 10,598,000 | 9,537,000 | 9,868,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,807,000 | 27,608,000 | 26,158,000 | 27,562,000 |
| Interest-bearing deposits | 24,521,000 | 24,524,000 | 23,389,000 | 23,020,000 |
| Noninterest-bearing deposits | 3,286,000 | 3,084,000 | 2,769,000 | 4,542,000 |
| Equity capital | 3,897,000 | 3,838,000 | 3,912,000 | 3,898,000 |
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 | 346,000 | 697,000 | 1,056,000 | 1,409,000 |
| Interest expense | 107,000 | 207,000 | 302,000 | 393,000 |
| Net interest income | 239,000 | 490,000 | 754,000 | 1,016,000 |
| Noninterest income | 35,000 | 71,000 | 110,000 | 144,000 |
| Noninterest expense | 208,000 | 413,000 | 608,000 | 819,000 |
| Provision for loan losses | 0 | 0 | 24,000 | 46,000 |
| Pretax income | 71,000 | 153,000 | 232,000 | 295,000 |
| Income tax | 15,000 | 27,000 | 61,000 | 95,000 |
| Net income | 56,000 | 126,000 | 171,000 | 200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,818,000 | 3,876,000 | 3,916,000 | 3,933,000 |
| Total capital | 4,023,000 | 4,103,000 | 4,134,000 | 4,154,000 |
| Risk-weighted assets | 16,381,000 | 18,339,000 | 17,439,000 | 17,730,000 |