Call reports 2004
STATE BANK — 2004
What 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 | 134,405,000 | 130,259,000 | 134,802,000 | 134,759,000 |
| Total loans | 78,856,000 | 77,543,000 | 81,020,000 | 83,115,000 |
| Allowance for loan losses | 1,066,000 | 1,143,000 | 1,157,000 | 1,185,000 |
| Securities available for sale | 43,805,000 | 41,150,000 | 39,892,000 | 41,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,250,000 | 106,927,000 | 111,144,000 | 108,723,000 |
| Interest-bearing deposits | 97,972,000 | 95,295,000 | 99,327,000 | 94,856,000 |
| Noninterest-bearing deposits | 12,278,000 | 11,632,000 | 11,817,000 | 13,867,000 |
| Equity capital | 15,482,000 | 14,925,000 | 15,944,000 | 15,874,000 |
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 | 1,741,000 | 3,435,000 | 5,231,000 | 6,999,000 |
| Interest expense | 496,000 | 977,000 | 1,484,000 | 2,005,000 |
| Net interest income | 1,245,000 | 2,458,000 | 3,747,000 | 4,994,000 |
| Noninterest income | 173,000 | 382,000 | 604,000 | 850,000 |
| Noninterest expense | 748,000 | 1,415,000 | 2,114,000 | 2,890,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 176,000 |
| Pretax income | 622,000 | 1,332,000 | 2,123,000 | 2,808,000 |
| Income tax | 31,000 | 66,000 | 104,000 | 137,000 |
| Net income | 591,000 | 1,266,000 | 2,019,000 | 2,671,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,720,000 | 12,095,000 | 12,849,000 | 13,050,000 |
| Total capital | 12,786,000 | 13,175,000 | 13,967,000 | 14,210,000 |
| Risk-weighted assets | 91,155,000 | 86,337,000 | 89,378,000 | 92,811,000 |