Call reports 2004
COPPER STAR BANK — 2004
What COPPER STAR 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 | 100,193,000 | 100,166,000 | 126,172,000 | 134,741,000 |
| Total loans | 80,444,000 | 88,793,000 | 105,891,000 | 115,701,000 |
| Allowance for loan losses | 802,000 | 888,000 | 1,059,000 | 1,215,000 |
| Securities available for sale | 3,764,000 | 4,476,000 | 5,472,000 | 5,955,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,632,000 | 74,828,000 | 98,748,000 | 107,841,000 |
| Interest-bearing deposits | 70,932,000 | 65,854,000 | 88,636,000 | 97,626,000 |
| Noninterest-bearing deposits | 6,700,000 | 8,974,000 | 10,112,000 | 10,215,000 |
| Equity capital | 9,370,000 | 14,927,000 | 15,058,000 | 15,206,000 |
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 | 1,453,000 | 3,033,000 | 4,945,000 | 7,082,000 |
| Interest expense | 397,000 | 810,000 | 1,322,000 | 1,909,000 |
| Net interest income | 1,056,000 | 2,223,000 | 3,623,000 | 5,173,000 |
| Noninterest income | 68,000 | 137,000 | 206,000 | 368,000 |
| Noninterest expense | 819,000 | 1,714,000 | 2,825,000 | 4,131,000 |
| Provision for loan losses | 58,000 | 144,000 | 315,000 | 471,000 |
| Pretax income | 248,000 | 504,000 | 693,000 | 943,000 |
| Income tax | 96,000 | 196,000 | 269,000 | 367,000 |
| Net income | 152,000 | 308,000 | 424,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,090,000 | 14,867,000 | 15,073,000 | 15,225,000 |
| Total capital | 9,892,000 | 15,755,000 | 16,132,000 | 16,440,000 |
| Risk-weighted assets | 83,532,000 | 91,805,000 | 109,423,000 | 120,204,000 |