Call reports 2004
STATE BANK OF HOWARDS GROVE — 2004
What STATE BANK OF HOWARDS GROVE 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 | 141,720,000 | 156,746,000 | 164,871,000 | 178,755,000 |
| Total loans | 92,321,000 | 98,459,000 | 103,805,000 | 105,309,000 |
| Allowance for loan losses | 987,000 | 1,072,000 | 1,165,000 | 1,143,000 |
| Securities available for sale | 15,999,000 | 21,242,000 | 24,618,000 | 24,625,000 |
| Securities held to maturity | 22,312,000 | 22,680,000 | 23,402,000 | 22,715,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,968,000 | 137,984,000 | 146,578,000 | 162,836,000 |
| Interest-bearing deposits | 117,311,000 | 130,969,000 | 138,592,000 | 153,732,000 |
| Noninterest-bearing deposits | 5,657,000 | 7,015,000 | 7,985,000 | 9,104,000 |
| Equity capital | 11,217,000 | 11,177,000 | 11,581,000 | 11,253,000 |
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 | 1,620,000 | 3,307,000 | 5,147,000 | 7,116,000 |
| Interest expense | 439,000 | 913,000 | 1,423,000 | 2,086,000 |
| Net interest income | 1,181,000 | 2,394,000 | 3,724,000 | 5,030,000 |
| Noninterest income | 543,000 | 1,254,000 | 2,014,000 | 2,988,000 |
| Noninterest expense | 1,249,000 | 2,710,000 | 4,282,000 | 6,876,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 360,000 |
| Pretax income | 385,000 | 758,000 | 1,186,000 | 782,000 |
| Income tax | 83,000 | 178,000 | 282,000 | 67,000 |
| Net income | 302,000 | 580,000 | 904,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,505,000 | 10,712,000 | 10,962,000 | 10,701,000 |
| Total capital | 11,492,000 | 11,784,000 | 12,126,000 | 11,844,000 |
| Risk-weighted assets | 99,442,000 | 106,307,000 | 112,141,000 | 115,229,000 |