Call reports 2004
STILLMAN BANCCORP, N.A. — 2004
What STILLMAN BANCCORP, N.A. 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 | 273,806,000 | 276,980,000 | 277,131,000 | 280,656,000 |
| Total loans | 156,886,000 | 154,073,000 | 154,352,000 | 150,436,000 |
| Allowance for loan losses | 2,054,000 | 2,090,000 | 1,890,000 | 1,573,000 |
| Securities available for sale | 71,637,000 | 71,456,000 | 69,555,000 | 86,041,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,653,000 | 223,607,000 | 222,692,000 | 224,437,000 |
| Interest-bearing deposits | 196,069,000 | 197,011,000 | 197,122,000 | 198,154,000 |
| Noninterest-bearing deposits | 25,584,000 | 26,596,000 | 25,570,000 | 26,283,000 |
| Equity capital | 34,077,000 | 33,106,000 | 34,593,000 | 34,921,000 |
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 | 3,336,000 | 6,636,000 | 9,979,000 | 13,520,000 |
| Interest expense | 1,200,000 | 2,377,000 | 3,597,000 | 4,813,000 |
| Net interest income | 2,136,000 | 4,259,000 | 6,382,000 | 8,707,000 |
| Noninterest income | 565,000 | 1,252,000 | 1,974,000 | 2,723,000 |
| Noninterest expense | 2,086,000 | 4,200,000 | 6,344,000 | 8,429,000 |
| Provision for loan losses | 45,000 | 90,000 | 75,000 | 75,000 |
| Pretax income | 570,000 | 1,221,000 | 1,944,000 | 2,950,000 |
| Income tax | 0 | 0 | 0 | 7,000 |
| Net income | 570,000 | 1,221,000 | 1,944,000 | 2,943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,870,000 | 32,159,000 | 32,882,000 | 33,536,000 |
| Total capital | 33,924,000 | 34,249,000 | 34,772,000 | 35,109,000 |
| Risk-weighted assets | 175,940,000 | 177,649,000 | 180,565,000 | 178,370,000 |