Call reports 2004
PIQUA STATE BANK — 2004
What PIQUA STATE 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 | 22,491,000 | 22,102,000 | 22,086,000 | 21,955,000 |
| Total loans | 9,197,000 | 9,259,000 | 9,185,000 | 9,566,000 |
| Allowance for loan losses | 174,000 | 144,000 | 160,000 | 136,000 |
| Securities available for sale | 6,600,000 | 6,538,000 | 6,227,000 | 6,650,000 |
| Securities held to maturity | 3,560,000 | 3,655,000 | 3,796,000 | 3,742,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,051,000 | 19,764,000 | 19,619,000 | 19,579,000 |
| Interest-bearing deposits | 15,554,000 | 15,504,000 | 14,994,000 | 14,897,000 |
| Noninterest-bearing deposits | 4,497,000 | 4,260,000 | 4,625,000 | 4,682,000 |
| Equity capital | 2,281,000 | 2,220,000 | 2,336,000 | 2,229,000 |
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 | 267,000 | 532,000 | 802,000 | 1,084,000 |
| Interest expense | 61,000 | 121,000 | 182,000 | 240,000 |
| Net interest income | 206,000 | 411,000 | 620,000 | 844,000 |
| Noninterest income | 30,000 | 62,000 | 98,000 | 127,000 |
| Noninterest expense | 181,000 | 368,000 | 552,000 | 794,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 95,000 | 148,000 | 159,000 |
| Income tax | 0 | 4,000 | 4,000 | 27,000 |
| Net income | 55,000 | 91,000 | 144,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,216,000 | 2,252,000 | 2,305,000 | 2,225,000 |
| Total capital | 2,369,000 | 2,396,000 | 2,460,000 | 2,361,000 |
| Risk-weighted assets | 12,249,000 | 12,385,000 | 12,400,000 | 12,728,000 |