Call reports 2004
STATE BANK — 2004
What STATE BANK 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 | 90,213,000 | 93,913,000 | 101,821,000 | 105,215,000 |
| Total loans | 69,720,000 | 68,487,000 | 73,650,000 | 77,611,000 |
| Allowance for loan losses | 859,000 | 883,000 | 879,000 | 895,000 |
| Securities available for sale | 14,642,000 | 16,294,000 | 17,539,000 | 20,915,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,093,000 | 83,950,000 | 90,032,000 | 93,614,000 |
| Interest-bearing deposits | 71,382,000 | 75,104,000 | 81,946,000 | 82,690,000 |
| Noninterest-bearing deposits | 8,711,000 | 8,846,000 | 8,086,000 | 10,924,000 |
| Equity capital | 6,989,000 | 6,900,000 | 7,339,000 | 7,549,000 |
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 | 1,084,000 | 2,203,000 | 3,413,000 | 4,727,000 |
| Interest expense | 347,000 | 699,000 | 1,088,000 | 1,517,000 |
| Net interest income | 737,000 | 1,504,000 | 2,325,000 | 3,210,000 |
| Noninterest income | 57,000 | 110,000 | 184,000 | 237,000 |
| Noninterest expense | 434,000 | 852,000 | 1,281,000 | 1,756,000 |
| Provision for loan losses | 27,000 | 54,000 | 103,000 | 178,000 |
| Pretax income | 333,000 | 708,000 | 1,125,000 | 1,513,000 |
| Income tax | 116,000 | 248,000 | 393,000 | 529,000 |
| Net income | 217,000 | 460,000 | 732,000 | 984,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,702,000 | 6,945,000 | 7,217,000 | 7,469,000 |
| Total capital | 7,561,000 | 7,828,000 | 8,096,000 | 8,364,000 |
| Risk-weighted assets | 74,493,000 | 77,412,000 | 79,324,000 | 83,316,000 |