Call reports 2004
FIRST STATE BANK OF ROUND LAKE — 2004
What FIRST STATE BANK OF ROUND LAKE 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 | 126,119,000 | 129,809,000 | 134,075,000 | 130,516,000 |
| Total loans | 69,992,000 | 69,223,000 | 70,414,000 | 70,131,000 |
| Allowance for loan losses | 802,000 | 793,000 | 799,000 | 795,000 |
| Securities available for sale | 23,106,000 | 24,394,000 | 24,906,000 | 29,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,458,000 | 106,010,000 | 109,838,000 | 106,442,000 |
| Interest-bearing deposits | 92,037,000 | 94,267,000 | 97,212,000 | 94,294,000 |
| Noninterest-bearing deposits | 10,421,000 | 11,743,000 | 12,627,000 | 12,148,000 |
| Equity capital | 21,612,000 | 21,505,000 | 21,808,000 | 21,665,000 |
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 | 1,120,000 | 2,289,000 | 3,507,000 | 4,854,000 |
| Interest expense | 182,000 | 375,000 | 611,000 | 944,000 |
| Net interest income | 938,000 | 1,914,000 | 2,896,000 | 3,910,000 |
| Noninterest income | 163,000 | 334,000 | 518,000 | 685,000 |
| Noninterest expense | 953,000 | 1,859,000 | 2,802,000 | 3,728,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 148,000 | 389,000 | 612,000 | 867,000 |
| Income tax | 22,000 | 76,000 | 123,000 | 193,000 |
| Net income | 126,000 | 313,000 | 489,000 | 674,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,172,000 | 9,074,000 | 9,767,000 | 9,341,000 |
| Total capital | 9,974,000 | 9,867,000 | 10,566,000 | 10,136,000 |
| Risk-weighted assets | 83,732,000 | 83,542,000 | 84,859,000 | 88,056,000 |