Call reports 2004
SUTTON BANK — 2004
What SUTTON 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 | 258,208,000 | 263,068,000 | 268,488,000 | 281,927,000 |
| Total loans | 169,158,000 | 176,631,000 | 181,406,000 | 190,602,000 |
| Allowance for loan losses | 2,196,000 | 2,216,000 | 2,308,000 | 2,305,000 |
| Securities available for sale | 60,959,000 | 58,987,000 | 58,137,000 | 57,279,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 217,685,000 | 217,106,000 | 220,449,000 | 244,673,000 |
| Interest-bearing deposits | 194,394,000 | 193,909,000 | 196,785,000 | 213,473,000 |
| Noninterest-bearing deposits | 23,291,000 | 23,197,000 | 23,664,000 | 31,200,000 |
| Equity capital | 22,293,000 | 22,007,000 | 23,356,000 | 22,384,000 |
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 | 2,987,000 | 6,140,000 | 9,493,000 | 13,047,000 |
| Interest expense | 946,000 | 1,984,000 | 3,051,000 | 4,180,000 |
| Net interest income | 2,041,000 | 4,156,000 | 6,442,000 | 8,867,000 |
| Noninterest income | 725,000 | 1,602,000 | 2,425,000 | 3,170,000 |
| Noninterest expense | 1,989,000 | 4,043,000 | 6,175,000 | 8,341,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 694,000 | 1,514,000 | 2,383,000 | 3,267,000 |
| Income tax | 100,000 | 253,000 | 424,000 | 607,000 |
| Net income | 594,000 | 1,261,000 | 1,959,000 | 2,660,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,749,000 | 21,422,000 | 22,126,000 | 21,340,000 |
| Total capital | 25,945,000 | 26,638,000 | 27,434,000 | 26,645,000 |
| Risk-weighted assets | 203,166,000 | 209,318,000 | 209,715,000 | 219,933,000 |