Call reports 2004
STANDARD BANK — 2004
What STANDARD 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 | 254,298,000 | 255,384,000 | 254,881,000 | 249,996,000 |
| Total loans | 107,286,000 | 110,370,000 | 111,969,000 | 110,994,000 |
| Allowance for loan losses | 1,595,000 | 1,606,000 | 1,597,000 | 1,587,000 |
| Securities available for sale | 85,653,000 | 75,865,000 | 80,923,000 | 75,385,000 |
| Securities held to maturity | 33,939,000 | 37,961,000 | 39,803,000 | 40,565,000 |
| Trading assets | 0 | 71,000 | 0 | 0 |
| Total deposits | 189,814,000 | 192,085,000 | 190,245,000 | 185,842,000 |
| Interest-bearing deposits | 174,274,000 | 175,600,000 | 173,719,000 | 172,344,000 |
| Noninterest-bearing deposits | 15,540,000 | 16,485,000 | 16,526,000 | 13,498,000 |
| Equity capital | 35,752,000 | 35,253,000 | 36,029,000 | 36,268,000 |
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 | 2,624,000 | 5,266,000 | 7,989,000 | 10,758,000 |
| Interest expense | 1,389,000 | 2,785,000 | 4,214,000 | 5,649,000 |
| Net interest income | 1,235,000 | 2,481,000 | 3,775,000 | 5,109,000 |
| Noninterest income | 301,000 | 642,000 | 939,000 | 1,216,000 |
| Noninterest expense | 1,437,000 | 2,880,000 | 4,328,000 | 5,775,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 99,000 | 249,000 | 397,000 | 561,000 |
| Income tax | -75,000 | -138,000 | -193,000 | -241,000 |
| Net income | 174,000 | 387,000 | 590,000 | 802,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,232,000 | 32,463,000 | 32,684,000 | 32,914,000 |
| Total capital | 35,015,000 | 35,293,000 | 35,557,000 | 35,947,000 |
| Risk-weighted assets | 125,866,000 | 128,424,000 | 131,355,000 | 127,278,000 |