Call reports 2004
STATE SAVINGS BANK OF MANISTIQUE, THE — 2004
What STATE SAVINGS BANK OF MANISTIQUE, THE 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 | 104,747,000 | 102,303,000 | 104,450,000 | 103,895,000 |
| Total loans | 57,316,000 | 57,799,000 | 57,988,000 | 58,713,000 |
| Allowance for loan losses | 709,000 | 712,000 | 725,000 | 715,000 |
| Securities available for sale | 38,643,000 | 37,720,000 | 38,879,000 | 37,287,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,501,000 | 83,796,000 | 84,014,000 | 83,013,000 |
| Interest-bearing deposits | 79,670,000 | 76,336,000 | 76,574,000 | 75,412,000 |
| Noninterest-bearing deposits | 5,831,000 | 7,460,000 | 7,440,000 | 7,601,000 |
| Equity capital | 9,359,000 | 9,075,000 | 9,611,000 | 9,516,000 |
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 | 1,362,000 | 2,735,000 | 4,102,000 | 5,516,000 |
| Interest expense | 359,000 | 720,000 | 1,086,000 | 1,463,000 |
| Net interest income | 1,003,000 | 2,015,000 | 3,016,000 | 4,053,000 |
| Noninterest income | 89,000 | 172,000 | 257,000 | 349,000 |
| Noninterest expense | 579,000 | 1,144,000 | 1,765,000 | 2,608,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 468,000 | 955,000 | 1,375,000 | 1,616,000 |
| Income tax | 154,000 | 320,000 | 440,000 | 491,000 |
| Net income | 314,000 | 635,000 | 935,000 | 1,125,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,395,000 | 8,661,000 | 8,896,000 | 8,967,000 |
| Total capital | 9,104,000 | 9,373,000 | 9,621,000 | 9,682,000 |
| Risk-weighted assets | 66,183,000 | 66,466,000 | 67,937,000 | 66,191,000 |
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