Call reports 2004
SAND RIDGE BANK — 2004
What SAND RIDGE 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 | 861,670,000 | 865,925,000 | 878,952,000 | 882,579,000 |
| Total loans | 564,922,000 | 573,348,000 | 591,019,000 | 601,139,000 |
| Allowance for loan losses | 8,168,000 | 7,914,000 | 8,036,000 | 8,051,000 |
| Securities available for sale | 230,026,000 | 217,521,000 | 207,892,000 | 199,318,000 |
| Securities held to maturity | 8,391,000 | 9,184,000 | 9,093,000 | 7,039,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 687,303,000 | 692,917,000 | 684,454,000 | 699,504,000 |
| Interest-bearing deposits | 584,818,000 | 585,035,000 | 575,702,000 | 585,819,000 |
| Noninterest-bearing deposits | 102,485,000 | 107,882,000 | 108,752,000 | 113,685,000 |
| Equity capital | 66,160,000 | 63,024,000 | 65,673,000 | 65,491,000 |
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 | 11,079,000 | 22,008,000 | 33,078,000 | 44,326,000 |
| Interest expense | 3,518,000 | 6,704,000 | 10,006,000 | 13,560,000 |
| Net interest income | 7,561,000 | 15,304,000 | 23,072,000 | 30,766,000 |
| Noninterest income | 2,552,000 | 4,933,000 | 7,336,000 | 9,720,000 |
| Noninterest expense | 5,918,000 | 11,720,000 | 17,915,000 | 24,097,000 |
| Provision for loan losses | 390,000 | 660,000 | 930,000 | 1,110,000 |
| Pretax income | 3,808,000 | 7,862,000 | 11,568,000 | 15,284,000 |
| Income tax | 1,225,000 | 2,503,000 | 3,609,000 | 4,678,000 |
| Net income | 2,583,000 | 5,359,000 | 7,959,000 | 10,606,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,644,000 | 62,214,000 | 62,815,000 | 63,560,000 |
| Total capital | 68,253,000 | 68,877,000 | 69,614,000 | 70,499,000 |
| Risk-weighted assets | 527,161,000 | 531,789,000 | 542,660,000 | 553,845,000 |