Call reports 2004
SOUTH STORY BANK & TRUST — 2004
What SOUTH STORY BANK & TRUST 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 | 49,536,000 | 49,158,000 | 48,709,000 | 49,900,000 |
| Total loans | 22,173,000 | 22,678,000 | 23,380,000 | 22,731,000 |
| Allowance for loan losses | 317,000 | 316,000 | 316,000 | 318,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 17,590,000 | 18,630,000 | 19,594,000 | 20,236,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,069,000 | 41,601,000 | 41,000,000 | 42,192,000 |
| Interest-bearing deposits | 36,913,000 | 36,912,000 | 35,373,000 | 35,173,000 |
| Noninterest-bearing deposits | 5,156,000 | 4,689,000 | 5,627,000 | 7,019,000 |
| Equity capital | 7,332,000 | 7,450,000 | 7,615,000 | 7,592,000 |
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 | 535,000 | 1,048,000 | 1,592,000 | 2,117,000 |
| Interest expense | 158,000 | 317,000 | 477,000 | 641,000 |
| Net interest income | 377,000 | 731,000 | 1,115,000 | 1,476,000 |
| Noninterest income | 53,000 | 99,000 | 146,000 | 189,000 |
| Noninterest expense | 221,000 | 470,000 | 669,000 | 872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 213,000 | 368,000 | 600,000 | 801,000 |
| Income tax | 58,000 | 95,000 | 162,000 | 216,000 |
| Net income | 155,000 | 273,000 | 438,000 | 585,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,332,000 | 7,450,000 | 7,615,000 | 7,592,000 |
| Total capital | 7,649,000 | 7,766,000 | 7,931,000 | 7,910,000 |
| Risk-weighted assets | 30,325,000 | 30,618,000 | 31,489,000 | 31,412,000 |