Call reports 2004
COLCHESTER STATE BANK — 2004
What COLCHESTER 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 | 35,169,000 | 34,173,000 | 33,944,000 | 35,272,000 |
| Total loans | 22,431,000 | 22,528,000 | 22,481,000 | 21,802,000 |
| Allowance for loan losses | 572,000 | 549,000 | 549,000 | 422,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,318,000 | 7,495,000 | 6,578,000 | 6,141,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,988,000 | 30,911,000 | 30,617,000 | 31,843,000 |
| Interest-bearing deposits | 26,578,000 | 25,622,000 | 26,748,000 | 27,032,000 |
| Noninterest-bearing deposits | 5,410,000 | 5,289,000 | 3,869,000 | 4,811,000 |
| Equity capital | 3,015,000 | 3,101,000 | 3,181,000 | 3,284,000 |
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 | 434,000 | 872,000 | 1,290,000 | 1,730,000 |
| Interest expense | 124,000 | 238,000 | 358,000 | 486,000 |
| Net interest income | 310,000 | 634,000 | 932,000 | 1,244,000 |
| Noninterest income | 64,000 | 129,000 | 201,000 | 254,000 |
| Noninterest expense | 138,000 | 295,000 | 450,000 | 651,000 |
| Provision for loan losses | 75,000 | 179,000 | 269,000 | 309,000 |
| Pretax income | 161,000 | 289,000 | 414,000 | 538,000 |
| Income tax | 42,000 | 84,000 | 129,000 | 150,000 |
| Net income | 119,000 | 205,000 | 285,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,015,000 | 3,101,000 | 3,181,000 | 3,284,000 |
| Total capital | 3,299,000 | 3,381,000 | 3,462,000 | 3,560,000 |
| Risk-weighted assets | 22,446,000 | 22,139,000 | 22,090,000 | 21,985,000 |