Call reports 2004
BANK OF DESOTO, NATIONAL ASSOCIATION — 2004
What BANK OF DESOTO, NATIONAL ASSOCIATION 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 | 115,845,000 | 115,598,000 | 121,744,000 | 129,854,000 |
| Total loans | 75,510,000 | 72,236,000 | 73,412,000 | 74,967,000 |
| Allowance for loan losses | 934,000 | 879,000 | 1,005,000 | 811,000 |
| Securities available for sale | 10,130,000 | 9,824,000 | 6,923,000 | 4,931,000 |
| Securities held to maturity | 0 | 0 | 0 | 4,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 105,092,000 | 104,941,000 | 110,642,000 | 118,426,000 |
| Interest-bearing deposits | 86,069,000 | 87,892,000 | 90,488,000 | 97,041,000 |
| Noninterest-bearing deposits | 19,023,000 | 17,049,000 | 20,154,000 | 21,385,000 |
| Equity capital | 10,499,000 | 10,388,000 | 10,798,000 | 11,118,000 |
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 | 1,963,000 | 3,866,000 | 5,867,000 | 7,856,000 |
| Interest expense | 402,000 | 800,000 | 1,218,000 | 1,678,000 |
| Net interest income | 1,561,000 | 3,066,000 | 4,649,000 | 6,178,000 |
| Noninterest income | 217,000 | 460,000 | 691,000 | 913,000 |
| Noninterest expense | 904,000 | 1,835,000 | 2,788,000 | 3,935,000 |
| Provision for loan losses | 120,000 | 260,000 | 460,000 | 490,000 |
| Pretax income | 754,000 | 1,431,000 | 2,092,000 | 2,666,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 754,000 | 1,431,000 | 2,092,000 | 2,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,341,000 | 10,536,000 | 10,847,000 | 11,159,000 |
| Total capital | 11,275,000 | 11,415,000 | 11,811,000 | 11,970,000 |
| Risk-weighted assets | 76,040,000 | 74,047,000 | 77,060,000 | 80,270,000 |