Call reports 2004
BANK OF ST. FRANCISVILLE — 2004
What BANK OF ST. FRANCISVILLE 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 | 51,869,000 | 49,683,000 | 50,050,000 | 52,300,000 |
| Total loans | 34,584,000 | 34,181,000 | 34,370,000 | 35,811,000 |
| Allowance for loan losses | 825,000 | 860,000 | 818,000 | 784,000 |
| Securities available for sale | 8,802,000 | 7,952,000 | 7,727,000 | 7,335,000 |
| Securities held to maturity | 2,760,000 | 2,758,000 | 2,758,000 | 258,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,830,000 | 44,701,000 | 42,854,000 | 47,347,000 |
| Interest-bearing deposits | 32,631,000 | 32,209,000 | 30,087,000 | 34,058,000 |
| Noninterest-bearing deposits | 14,199,000 | 12,492,000 | 12,767,000 | 13,289,000 |
| Equity capital | 4,226,000 | 4,090,000 | 4,232,000 | 4,074,000 |
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 | 825,000 | 1,611,000 | 2,424,000 | 3,242,000 |
| Interest expense | 93,000 | 182,000 | 277,000 | 387,000 |
| Net interest income | 732,000 | 1,429,000 | 2,147,000 | 2,855,000 |
| Noninterest income | 197,000 | 449,000 | 686,000 | 959,000 |
| Noninterest expense | 598,000 | 1,179,000 | 1,798,000 | 2,493,000 |
| Provision for loan losses | 60,000 | 120,000 | 140,000 | 140,000 |
| Pretax income | 271,000 | 579,000 | 895,000 | 1,181,000 |
| Income tax | 0 | 228,000 | 348,000 | 497,000 |
| Net income | 271,000 | 351,000 | 547,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,248,000 | 4,328,000 | 4,324,000 | 4,181,000 |
| Total capital | 4,680,000 | 4,746,000 | 4,743,000 | 4,610,000 |
| Risk-weighted assets | 34,162,000 | 33,034,000 | 33,146,000 | 33,991,000 |