Call reports 2004
DENMARK STATE BANK — 2004
What DENMARK 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 | 329,762,000 | 323,312,000 | 334,233,000 | 357,770,000 |
| Total loans | 245,497,000 | 251,513,000 | 262,059,000 | 269,515,000 |
| Allowance for loan losses | 5,011,000 | 4,991,000 | 5,034,000 | 5,171,000 |
| Securities available for sale | 9,400,000 | 10,527,000 | 10,332,000 | 9,203,000 |
| Securities held to maturity | 38,043,000 | 38,240,000 | 38,630,000 | 39,998,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,650,000 | 263,283,000 | 267,197,000 | 290,887,000 |
| Interest-bearing deposits | 236,380,000 | 232,830,000 | 235,593,000 | 255,054,000 |
| Noninterest-bearing deposits | 34,270,000 | 30,453,000 | 31,604,000 | 35,833,000 |
| Equity capital | 33,522,000 | 34,448,000 | 33,809,000 | 34,549,000 |
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 | 4,291,000 | 8,735,000 | 13,177,000 | 17,876,000 |
| Interest expense | 1,330,000 | 2,624,000 | 3,931,000 | 5,527,000 |
| Net interest income | 2,961,000 | 6,111,000 | 9,246,000 | 12,349,000 |
| Noninterest income | 355,000 | 747,000 | 966,000 | 1,292,000 |
| Noninterest expense | 2,180,000 | 4,448,000 | 6,785,000 | 9,065,000 |
| Provision for loan losses | 115,000 | 130,000 | 145,000 | 330,000 |
| Pretax income | 1,021,000 | 2,280,000 | 3,282,000 | 4,246,000 |
| Income tax | 194,000 | 470,000 | 645,000 | 854,000 |
| Net income | 827,000 | 1,810,000 | 2,637,000 | 3,392,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,947,000 | 32,978,000 | 32,353,000 | 33,156,000 |
| Total capital | 34,984,000 | 36,077,000 | 35,583,000 | 36,505,000 |
| Risk-weighted assets | 240,985,000 | 246,074,000 | 256,565,000 | 266,119,000 |