Call reports 2004
STATE BANK OF ARTHUR — 2004
What STATE BANK OF ARTHUR 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 | 74,575,000 | 75,462,000 | 75,322,000 | 77,716,000 |
| Total loans | 37,319,000 | 38,334,000 | 40,609,000 | 39,918,000 |
| Allowance for loan losses | 849,000 | 878,000 | 879,000 | 876,000 |
| Securities available for sale | 32,912,000 | 31,655,000 | 30,370,000 | 31,809,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,531,000 | 64,707,000 | 63,629,000 | 65,981,000 |
| Interest-bearing deposits | 51,969,000 | 52,816,000 | 50,918,000 | 50,984,000 |
| Noninterest-bearing deposits | 11,562,000 | 11,891,000 | 12,711,000 | 14,997,000 |
| Equity capital | 10,653,000 | 10,305,000 | 10,883,000 | 10,982,000 |
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 | 1,033,000 | 2,042,000 | 3,070,000 | 4,172,000 |
| Interest expense | 198,000 | 379,000 | 553,000 | 730,000 |
| Net interest income | 835,000 | 1,663,000 | 2,517,000 | 3,442,000 |
| Noninterest income | 78,000 | 170,000 | 306,000 | 399,000 |
| Noninterest expense | 594,000 | 1,119,000 | 1,658,000 | 2,183,000 |
| Provision for loan losses | 61,000 | 105,000 | 115,000 | 115,000 |
| Pretax income | 258,000 | 609,000 | 1,050,000 | 1,543,000 |
| Income tax | 60,000 | 154,000 | 287,000 | 436,000 |
| Net income | 198,000 | 455,000 | 763,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,150,000 | 10,348,000 | 10,595,000 | 10,796,000 |
| Total capital | 10,719,000 | 10,927,000 | 11,193,000 | 11,393,000 |
| Risk-weighted assets | 45,225,000 | 45,988,000 | 47,571,000 | 47,482,000 |