Call reports 2004
ERIE STATE BANK — 2004
What ERIE 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 | 19,565,000 | 18,675,000 | 18,532,000 | 18,384,000 |
| Total loans | 12,878,000 | 12,218,000 | 12,796,000 | 12,167,000 |
| Allowance for loan losses | 159,000 | 177,000 | 195,000 | 175,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,302,000 | 3,139,000 | 3,109,000 | 2,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,002,000 | 16,199,000 | 16,046,000 | 15,907,000 |
| Interest-bearing deposits | 15,318,000 | 14,577,000 | 14,390,000 | 14,390,000 |
| Noninterest-bearing deposits | 1,684,000 | 1,622,000 | 1,656,000 | 1,517,000 |
| Equity capital | 2,501,000 | 2,431,000 | 2,443,000 | 2,435,000 |
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 | 253,000 | 497,000 | 742,000 | 989,000 |
| Interest expense | 64,000 | 126,000 | 184,000 | 244,000 |
| Net interest income | 189,000 | 371,000 | 558,000 | 745,000 |
| Noninterest income | 11,000 | 24,000 | 36,000 | 50,000 |
| Noninterest expense | 122,000 | 243,000 | 362,000 | 478,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 60,000 | 116,000 | 178,000 | 245,000 |
| Income tax | 4,000 | 5,000 | 5,000 | 5,000 |
| Net income | 56,000 | 111,000 | 173,000 | 240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,501,000 | 2,431,000 | 2,443,000 | 2,435,000 |
| Total capital | 2,648,000 | 2,569,000 | 2,583,000 | 2,568,000 |
| Risk-weighted assets | 11,727,000 | 11,025,000 | 11,174,000 | 10,612,000 |