Call reports 2004
STATE BANK OF DELPHOS — 2004
What STATE BANK OF DELPHOS 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 | 28,374,000 | 27,481,000 | 27,059,000 | 28,381,000 |
| Total loans | 19,908,000 | 19,122,000 | 19,998,000 | 21,615,000 |
| Allowance for loan losses | 424,000 | 424,000 | 425,000 | 450,000 |
| Securities available for sale | 3,423,000 | 3,859,000 | 3,305,000 | 2,959,000 |
| Securities held to maturity | 1,304,000 | 1,600,000 | 1,362,000 | 1,339,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,353,000 | 22,498,000 | 21,613,000 | 21,710,000 |
| Interest-bearing deposits | 21,034,000 | 19,951,000 | 19,452,000 | 19,088,000 |
| Noninterest-bearing deposits | 2,319,000 | 2,547,000 | 2,161,000 | 2,622,000 |
| Equity capital | 2,479,000 | 2,420,000 | 2,496,000 | 2,575,000 |
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 | 402,000 | 812,000 | 1,224,000 | 1,636,000 |
| Interest expense | 130,000 | 257,000 | 388,000 | 520,000 |
| Net interest income | 272,000 | 555,000 | 836,000 | 1,116,000 |
| Noninterest income | 21,000 | 58,000 | 102,000 | 168,000 |
| Noninterest expense | 236,000 | 456,000 | 665,000 | 878,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 57,000 | 157,000 | 273,000 | 381,000 |
| Income tax | 3,000 | 7,000 | 10,000 | 15,000 |
| Net income | 54,000 | 150,000 | 263,000 | 366,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,412,000 | 2,433,000 | 2,460,000 | 2,565,000 |
| Total capital | 2,674,000 | 2,688,000 | 2,719,000 | 2,837,000 |
| Risk-weighted assets | 20,791,000 | 20,202,000 | 20,524,000 | 21,522,000 |