Call reports 2004
ELKVILLE STATE BANK — 2004
What ELKVILLE 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 | 17,567,000 | 17,020,000 | 17,372,000 | 17,477,000 |
| Total loans | 2,344,000 | 2,211,000 | 2,370,000 | 2,639,000 |
| Allowance for loan losses | 95,000 | 95,000 | 87,000 | 87,000 |
| Securities available for sale | 13,391,000 | 13,542,000 | 14,109,000 | 13,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,673,000 | 14,252,000 | 14,265,000 | 14,524,000 |
| Interest-bearing deposits | 11,886,000 | 11,760,000 | 11,736,000 | 12,109,000 |
| Noninterest-bearing deposits | 2,787,000 | 2,492,000 | 2,529,000 | 2,415,000 |
| Equity capital | 2,858,000 | 2,673,000 | 3,054,000 | 2,912,000 |
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 | 191,000 | 383,000 | 575,000 | 773,000 |
| Interest expense | 49,000 | 95,000 | 144,000 | 193,000 |
| Net interest income | 142,000 | 288,000 | 431,000 | 580,000 |
| Noninterest income | 16,000 | 31,000 | 46,000 | 61,000 |
| Noninterest expense | 91,000 | 154,000 | 218,000 | 446,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 67,000 | 165,000 | 259,000 | 194,000 |
| Income tax | 2,000 | 5,000 | 9,000 | 27,000 |
| Net income | 65,000 | 160,000 | 250,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,883,000 | 2,975,000 | 3,065,000 | 2,970,000 |
| Total capital | 2,952,000 | 3,046,000 | 3,136,000 | 3,043,000 |
| Risk-weighted assets | 5,533,000 | 5,649,000 | 5,665,000 | 5,858,000 |