Call reports 2004
SUNDOWN STATE BANK — 2004
What SUNDOWN STATE 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 | 59,007,000 | 60,385,000 | 68,388,000 | 62,028,000 |
| Total loans | 30,034,000 | 38,140,000 | 46,691,000 | 39,568,000 |
| Allowance for loan losses | 237,000 | 237,000 | 237,000 | 237,000 |
| Securities available for sale | 254,000 | 248,000 | 120,000 | 119,000 |
| Securities held to maturity | 23,513,000 | 15,005,000 | 14,355,000 | 14,140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,363,000 | 51,041,000 | 49,773,000 | 56,011,000 |
| Interest-bearing deposits | 33,721,000 | 32,385,000 | 31,159,000 | 34,521,000 |
| Noninterest-bearing deposits | 17,642,000 | 18,656,000 | 18,614,000 | 21,490,000 |
| Equity capital | 4,503,000 | 4,696,000 | 5,039,000 | 4,680,000 |
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 | 707,000 | 1,491,000 | 2,450,000 | 3,461,000 |
| Interest expense | 103,000 | 205,000 | 341,000 | 504,000 |
| Net interest income | 604,000 | 1,286,000 | 2,109,000 | 2,957,000 |
| Noninterest income | 142,000 | 299,000 | 467,000 | 656,000 |
| Noninterest expense | 639,000 | 1,236,000 | 1,850,000 | 2,684,000 |
| Provision for loan losses | 1,000 | 48,000 | 79,000 | 94,000 |
| Pretax income | 106,000 | 303,000 | 649,000 | 837,000 |
| Income tax | 0 | 0 | 7,000 | 7,000 |
| Net income | 106,000 | 303,000 | 642,000 | 830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,503,000 | 4,700,000 | 5,039,000 | 4,680,000 |
| Total capital | 4,740,000 | 4,937,000 | 5,276,000 | 4,917,000 |
| Risk-weighted assets | 34,782,000 | 43,745,000 | 45,754,000 | 40,675,000 |