Call reports 2004
STATE BANK OF CARBONDALE — 2004
What STATE BANK OF CARBONDALE 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 | 14,961,000 | 15,412,000 | 16,347,000 | 16,790,000 |
| Total loans | 8,379,000 | 8,446,000 | 8,547,000 | 8,674,000 |
| Allowance for loan losses | 128,000 | 128,000 | 128,000 | 128,000 |
| Securities available for sale | 4,539,000 | 4,658,000 | 4,747,000 | 4,704,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,496,000 | 13,962,000 | 14,868,000 | 15,313,000 |
| Interest-bearing deposits | 11,422,000 | 11,870,000 | 12,586,000 | 12,924,000 |
| Noninterest-bearing deposits | 2,074,000 | 2,092,000 | 2,282,000 | 2,389,000 |
| Equity capital | 1,305,000 | 1,299,000 | 1,310,000 | 1,308,000 |
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 | 181,000 | 364,000 | 552,000 | 747,000 |
| Interest expense | 44,000 | 84,000 | 128,000 | 176,000 |
| Net interest income | 137,000 | 280,000 | 424,000 | 571,000 |
| Noninterest income | 34,000 | 83,000 | 121,000 | 155,000 |
| Noninterest expense | 160,000 | 319,000 | 481,000 | 651,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 11,000 | 44,000 | 64,000 | 75,000 |
| Income tax | 1,000 | 7,000 | 9,000 | 9,000 |
| Net income | 10,000 | 37,000 | 55,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,289,000 | 1,317,000 | 1,320,000 | 1,331,000 |
| Total capital | 1,397,000 | 1,427,000 | 1,433,000 | 1,444,000 |
| Risk-weighted assets | 8,604,000 | 8,791,000 | 9,029,000 | 8,989,000 |