Call reports 2004
SUPERIOR BANK — 2004
What SUPERIOR 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 | 32,337,000 | 32,463,000 | 31,735,000 | 31,505,000 |
| Total loans | 14,173,000 | 13,576,000 | 13,928,000 | 13,719,000 |
| Allowance for loan losses | 214,000 | 214,000 | 175,000 | 172,000 |
| Securities available for sale | 15,470,000 | 16,314,000 | 14,989,000 | 7,992,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,378,000 | 26,168,000 | 25,734,000 | 25,598,000 |
| Interest-bearing deposits | 21,271,000 | 21,422,000 | 21,124,000 | 21,097,000 |
| Noninterest-bearing deposits | 4,107,000 | 4,746,000 | 4,609,000 | 4,501,000 |
| Equity capital | 3,879,000 | 3,834,000 | 3,917,000 | 3,851,000 |
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 | 393,000 | 780,000 | 1,170,000 | 1,557,000 |
| Interest expense | 97,000 | 193,000 | 289,000 | 381,000 |
| Net interest income | 296,000 | 587,000 | 881,000 | 1,176,000 |
| Noninterest income | 24,000 | 123,000 | 143,000 | 177,000 |
| Noninterest expense | 239,000 | 511,000 | 751,000 | 975,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 81,000 | 199,000 | 273,000 | 349,000 |
| Income tax | 2,000 | 0 | 0 | 0 |
| Net income | 79,000 | 199,000 | 273,000 | 349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,825,000 | 3,871,000 | 3,882,000 | 3,894,000 |
| Total capital | 4,029,000 | 4,059,000 | 4,057,000 | 4,066,000 |
| Risk-weighted assets | 16,289,000 | 14,976,000 | 15,044,000 | 16,163,000 |