Call reports 2004
DECATUR STATE BANK — 2004
What DECATUR 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 | 139,660,000 | 146,106,000 | 146,511,000 | 167,672,000 |
| Total loans | 108,056,000 | 106,988,000 | 113,754,000 | 112,717,000 |
| Allowance for loan losses | 1,479,000 | 1,557,000 | 1,616,000 | 1,632,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 22,637,000 | 24,632,000 | 24,645,000 | 47,093,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,724,000 | 97,875,000 | 92,179,000 | 113,669,000 |
| Interest-bearing deposits | 76,620,000 | 84,172,000 | 81,216,000 | 97,229,000 |
| Noninterest-bearing deposits | 13,104,000 | 13,703,000 | 10,963,000 | 16,440,000 |
| Equity capital | 17,909,000 | 18,882,000 | 19,855,000 | 18,556,000 |
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 | 2,282,000 | 4,567,000 | 6,934,000 | 9,304,000 |
| Interest expense | 558,000 | 1,106,000 | 1,656,000 | 2,299,000 |
| Net interest income | 1,724,000 | 3,461,000 | 5,278,000 | 7,005,000 |
| Noninterest income | 368,000 | 731,000 | 1,104,000 | 1,494,000 |
| Noninterest expense | 934,000 | 1,837,000 | 2,929,000 | 4,071,000 |
| Provision for loan losses | 200,000 | 425,000 | 550,000 | 646,000 |
| Pretax income | 958,000 | 1,930,000 | 2,903,000 | 3,782,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 958,000 | 1,930,000 | 2,903,000 | 3,782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,909,000 | 18,882,000 | 19,855,000 | 18,556,000 |
| Total capital | 19,250,000 | 20,217,000 | 21,246,000 | 19,994,000 |
| Risk-weighted assets | 106,354,000 | 106,615,000 | 111,092,000 | 114,862,000 |