Call reports 2004
DEFIANCE STATE BANK — 2004
What DEFIANCE 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 | 19,513,000 | 20,574,000 | 20,412,000 | 20,433,000 |
| Total loans | 13,202,000 | 13,623,000 | 13,728,000 | 13,906,000 |
| Allowance for loan losses | 154,000 | 154,000 | 154,000 | 154,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 156,000 | 149,000 | 138,000 | 135,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,187,000 | 15,475,000 | 14,968,000 | 16,793,000 |
| Interest-bearing deposits | 14,489,000 | 14,451,000 | 13,940,000 | 15,594,000 |
| Noninterest-bearing deposits | 698,000 | 1,024,000 | 1,028,000 | 1,199,000 |
| Equity capital | 1,842,000 | 1,895,000 | 1,979,000 | 1,860,000 |
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 | 260,000 | 536,000 | 829,000 | 1,134,000 |
| Interest expense | 59,000 | 113,000 | 170,000 | 239,000 |
| Net interest income | 201,000 | 423,000 | 659,000 | 895,000 |
| Noninterest income | 20,000 | 34,000 | 54,000 | 75,000 |
| Noninterest expense | 166,000 | 339,000 | 504,000 | 824,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 55,000 | 119,000 | 209,000 | 147,000 |
| Income tax | 0 | 11,000 | 17,000 | 24,000 |
| Net income | 55,000 | 108,000 | 192,000 | 123,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,842,000 | 1,895,000 | 1,979,000 | 1,860,000 |
| Total capital | 1,996,000 | 2,049,000 | 2,133,000 | 2,014,000 |
| Risk-weighted assets | 13,502,000 | 14,256,000 | 14,191,000 | 14,185,000 |