Call reports 2004
SECURITY STATE BANK OF SHELDON — 2004
What SECURITY STATE BANK OF SHELDON 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 | 59,169,000 | 58,646,000 | 59,731,000 | 61,517,000 |
| Total loans | 44,968,000 | 45,636,000 | 46,016,000 | 47,975,000 |
| Allowance for loan losses | 938,000 | 938,000 | 938,000 | 938,000 |
| Securities available for sale | 6,071,000 | 5,197,000 | 5,350,000 | 4,834,000 |
| Securities held to maturity | 1,115,000 | 897,000 | 937,000 | 928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,614,000 | 39,146,000 | 38,473,000 | 41,192,000 |
| Interest-bearing deposits | 32,814,000 | 32,208,000 | 30,747,000 | 31,430,000 |
| Noninterest-bearing deposits | 6,800,000 | 6,938,000 | 7,726,000 | 9,762,000 |
| Equity capital | 7,152,000 | 7,281,000 | 7,502,000 | 7,660,000 |
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 | 695,000 | 1,392,000 | 2,105,000 | 2,823,000 |
| Interest expense | 205,000 | 401,000 | 604,000 | 826,000 |
| Net interest income | 490,000 | 991,000 | 1,501,000 | 1,997,000 |
| Noninterest income | 97,000 | 243,000 | 374,000 | 461,000 |
| Noninterest expense | 348,000 | 704,000 | 1,068,000 | 1,401,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 239,000 | 530,000 | 807,000 | 1,061,000 |
| Income tax | 69,000 | 154,000 | 237,000 | 316,000 |
| Net income | 170,000 | 376,000 | 570,000 | 745,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,439,000 | 5,674,000 | 5,898,000 | 6,103,000 |
| Total capital | 6,023,000 | 6,263,000 | 6,493,000 | 6,727,000 |
| Risk-weighted assets | 46,038,000 | 46,549,000 | 47,039,000 | 49,376,000 |