Call reports 2004
STATE BANK OF CONWAY SPRINGS — 2004
What STATE BANK OF CONWAY SPRINGS 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 | 17,245,000 | 16,981,000 | 16,779,000 | 17,192,000 |
| Total loans | 6,815,000 | 6,742,000 | 7,189,000 | 7,991,000 |
| Allowance for loan losses | 294,000 | 313,000 | 326,000 | 338,000 |
| Securities available for sale | 8,552,000 | 8,376,000 | 8,296,000 | 7,930,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,304,000 | 14,266,000 | 13,569,000 | 13,437,000 |
| Interest-bearing deposits | 12,577,000 | 12,395,000 | 11,806,000 | 11,569,000 |
| Noninterest-bearing deposits | 1,727,000 | 1,871,000 | 1,763,000 | 1,868,000 |
| Equity capital | 1,576,000 | 1,385,000 | 1,519,000 | 1,506,000 |
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 | 209,000 | 429,000 | 647,000 | 888,000 |
| Interest expense | 65,000 | 124,000 | 183,000 | 246,000 |
| Net interest income | 144,000 | 305,000 | 464,000 | 642,000 |
| Noninterest income | 45,000 | 75,000 | 114,000 | 144,000 |
| Noninterest expense | 189,000 | 380,000 | 589,000 | 782,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 28,000 |
| Pretax income | -6,000 | -11,000 | -30,000 | -20,000 |
| Income tax | 0 | -6,000 | -6,000 | -7,000 |
| Net income | -6,000 | -5,000 | -24,000 | -13,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,532,000 | 1,474,000 | 1,514,000 | 1,524,000 |
| Total capital | 1,647,000 | 1,590,000 | 1,629,000 | 1,648,000 |
| Risk-weighted assets | 8,991,000 | 8,898,000 | 9,369,000 | 9,692,000 |