Call reports 2004
CHETOPA STATE BANK & TRUST CO — 2004
What CHETOPA STATE BANK & TRUST CO 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 | 26,562,000 | 25,778,000 | 25,581,000 | 26,563,000 |
| Total loans | 18,399,000 | 18,988,000 | 19,398,000 | 20,414,000 |
| Allowance for loan losses | 160,000 | 162,000 | 159,000 | 163,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 2,495,000 | 2,444,000 | 2,242,000 | 2,392,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,612,000 | 23,800,000 | 23,527,000 | 24,374,000 |
| Interest-bearing deposits | 21,981,000 | 21,412,000 | 21,242,000 | 21,394,000 |
| Noninterest-bearing deposits | 2,631,000 | 2,388,000 | 2,285,000 | 2,980,000 |
| Equity capital | 1,894,000 | 1,931,000 | 2,002,000 | 2,135,000 |
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 | 354,000 | 704,000 | 1,057,000 | 1,417,000 |
| Interest expense | 109,000 | 210,000 | 308,000 | 406,000 |
| Net interest income | 245,000 | 494,000 | 749,000 | 1,011,000 |
| Noninterest income | 47,000 | 92,000 | 130,000 | 174,000 |
| Noninterest expense | 157,000 | 317,000 | 485,000 | 648,000 |
| Provision for loan losses | 3,000 | 6,000 | 13,000 | 18,000 |
| Pretax income | 132,000 | 263,000 | 381,000 | 519,000 |
| Income tax | 5,000 | 10,000 | 15,000 | 20,000 |
| Net income | 127,000 | 253,000 | 366,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,894,000 | 1,931,000 | 2,002,000 | 2,135,000 |
| Total capital | 2,054,000 | 2,093,000 | 2,161,000 | 2,298,000 |
| Risk-weighted assets | 16,110,000 | 16,489,000 | 16,880,000 | 17,719,000 |