Call reports 2004
ROLFE STATE BANK — 2004
What ROLFE 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 | 30,935,000 | 30,678,000 | 33,150,000 | 32,403,000 |
| Total loans | 20,688,000 | 21,272,000 | 22,197,000 | 22,919,000 |
| Allowance for loan losses | 313,000 | 319,000 | 324,000 | 329,000 |
| Securities available for sale | 5,458,000 | 4,636,000 | 4,450,000 | 4,021,000 |
| Securities held to maturity | 3,137,000 | 2,928,000 | 2,925,000 | 3,007,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,652,000 | 26,961,000 | 28,162,000 | 28,714,000 |
| Interest-bearing deposits | 23,582,000 | 23,666,000 | 23,316,000 | 24,744,000 |
| Noninterest-bearing deposits | 4,070,000 | 3,295,000 | 4,846,000 | 3,970,000 |
| Equity capital | 2,986,000 | 2,908,000 | 3,019,000 | 3,100,000 |
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 | 430,000 | 863,000 | 1,315,000 | 1,769,000 |
| Interest expense | 105,000 | 199,000 | 302,000 | 408,000 |
| Net interest income | 325,000 | 664,000 | 1,013,000 | 1,361,000 |
| Noninterest income | 35,000 | 72,000 | 114,000 | 158,000 |
| Noninterest expense | 249,000 | 493,000 | 738,000 | 1,005,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 108,000 | 234,000 | 374,000 | 493,000 |
| Income tax | 32,000 | 73,000 | 118,000 | 146,000 |
| Net income | 76,000 | 161,000 | 256,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,941,000 | 2,926,000 | 3,021,000 | 3,113,000 |
| Total capital | 3,218,000 | 3,208,000 | 3,319,000 | 3,417,000 |
| Risk-weighted assets | 22,146,000 | 22,528,000 | 23,834,000 | 24,275,000 |