Call reports 2004
DURAND STATE BANK — 2004
What DURAND 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 | 75,168,000 | 72,972,000 | 76,155,000 | 75,046,000 |
| Total loans | 42,869,000 | 42,534,000 | 41,335,000 | 40,458,000 |
| Allowance for loan losses | 436,000 | 497,000 | 561,000 | 411,000 |
| Securities available for sale | 21,254,000 | 22,552,000 | 22,933,000 | 25,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,495,000 | 62,406,000 | 65,546,000 | 64,950,000 |
| Interest-bearing deposits | 59,550,000 | 57,167,000 | 59,588,000 | 59,296,000 |
| Noninterest-bearing deposits | 4,945,000 | 5,239,000 | 5,958,000 | 5,654,000 |
| Equity capital | 6,057,000 | 5,646,000 | 6,056,000 | 6,056,000 |
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 | 950,000 | 1,883,000 | 2,786,000 | 3,812,000 |
| Interest expense | 307,000 | 593,000 | 891,000 | 1,210,000 |
| Net interest income | 643,000 | 1,290,000 | 1,895,000 | 2,602,000 |
| Noninterest income | 91,000 | 191,000 | 282,000 | 385,000 |
| Noninterest expense | 550,000 | 1,102,000 | 1,642,000 | 2,186,000 |
| Provision for loan losses | 85,000 | 255,000 | 335,000 | 370,000 |
| Pretax income | 97,000 | 191,000 | 270,000 | 498,000 |
| Income tax | 24,000 | 39,000 | 44,000 | 70,000 |
| Net income | 73,000 | 152,000 | 226,000 | 428,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,788,000 | 5,867,000 | 5,942,000 | 6,046,000 |
| Total capital | 6,224,000 | 6,364,000 | 6,503,000 | 6,457,000 |
| Risk-weighted assets | 52,045,000 | 51,437,000 | 51,150,000 | 50,371,000 |