Call reports 2004
PRAIRIE STATE BANK, THE — 2004
What PRAIRIE STATE BANK, 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 | 322,008,000 | 317,368,000 | 298,423,000 | 312,775,000 |
| Total loans | 180,651,000 | 178,186,000 | 173,128,000 | 174,027,000 |
| Allowance for loan losses | 2,958,000 | 2,913,000 | 1,816,000 | 2,119,000 |
| Securities available for sale | 113,939,000 | 107,434,000 | 94,794,000 | 84,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,924,000 | 255,973,000 | 239,144,000 | 267,577,000 |
| Interest-bearing deposits | 228,377,000 | 219,507,000 | 206,329,000 | 233,915,000 |
| Noninterest-bearing deposits | 31,547,000 | 36,466,000 | 32,815,000 | 33,662,000 |
| Equity capital | 22,764,000 | 20,919,000 | 22,082,000 | 21,564,000 |
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 | 4,081,000 | 8,078,000 | 11,892,000 | 15,555,000 |
| Interest expense | 1,321,000 | 2,594,000 | 3,757,000 | 4,929,000 |
| Net interest income | 2,760,000 | 5,484,000 | 8,135,000 | 10,626,000 |
| Noninterest income | 471,000 | 740,000 | 1,270,000 | 1,693,000 |
| Noninterest expense | 2,587,000 | 5,215,000 | 7,838,000 | 10,662,000 |
| Provision for loan losses | 120,000 | 485,000 | 844,000 | 1,228,000 |
| Pretax income | 524,000 | 636,000 | 873,000 | 587,000 |
| Income tax | 146,000 | 133,000 | 168,000 | 3,000 |
| Net income | 378,000 | 503,000 | 705,000 | 584,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,820,000 | 19,945,000 | 20,147,000 | 20,026,000 |
| Total capital | 22,460,000 | 22,633,000 | 21,963,000 | 22,145,000 |
| Risk-weighted assets | 211,047,000 | 214,942,000 | 207,750,000 | 211,859,000 |