Call reports 2004
STATE BANK — 2004
What 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 | 35,320,000 | 34,465,000 | 34,525,000 | 37,546,000 |
| Total loans | 24,950,000 | 23,503,000 | 23,896,000 | 27,000,000 |
| Allowance for loan losses | 402,000 | 425,000 | 440,000 | 455,000 |
| Securities available for sale | 8,026,000 | 8,621,000 | 8,705,000 | 8,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,475,000 | 29,546,000 | 29,333,000 | 29,604,000 |
| Interest-bearing deposits | 25,330,000 | 25,672,000 | 24,919,000 | 25,126,000 |
| Noninterest-bearing deposits | 4,145,000 | 3,874,000 | 4,414,000 | 4,478,000 |
| Equity capital | 4,186,000 | 4,213,000 | 4,467,000 | 4,551,000 |
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 | 489,000 | 979,000 | 1,474,000 | 2,007,000 |
| Interest expense | 129,000 | 242,000 | 353,000 | 460,000 |
| Net interest income | 360,000 | 737,000 | 1,121,000 | 1,547,000 |
| Noninterest income | 62,000 | 123,000 | 179,000 | 230,000 |
| Noninterest expense | 232,000 | 464,000 | 676,000 | 896,000 |
| Provision for loan losses | 22,000 | 45,000 | 62,000 | 77,000 |
| Pretax income | 168,000 | 351,000 | 562,000 | 780,000 |
| Income tax | 2,000 | 7,000 | 10,000 | 14,000 |
| Net income | 166,000 | 344,000 | 552,000 | 766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,818,000 | 4,011,000 | 4,222,000 | 4,360,000 |
| Total capital | 4,175,000 | 4,362,000 | 4,575,000 | 4,755,000 |
| Risk-weighted assets | 28,497,000 | 28,036,000 | 28,128,000 | 31,556,000 |