Call reports 2004
STATE BANK OF COKATO — 2004
What STATE BANK OF COKATO 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 | 67,896,000 | 69,838,000 | 69,412,000 | 67,997,000 |
| Total loans | 49,283,000 | 53,358,000 | 56,924,000 | 57,901,000 |
| Allowance for loan losses | 851,000 | 831,000 | 850,000 | 1,886,000 |
| Securities available for sale | 9,798,000 | 8,213,000 | 5,525,000 | 5,771,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,601,000 | 54,837,000 | 54,064,000 | 56,049,000 |
| Interest-bearing deposits | 41,646,000 | 44,445,000 | 43,617,000 | 46,011,000 |
| Noninterest-bearing deposits | 12,955,000 | 10,392,000 | 10,447,000 | 10,038,000 |
| Equity capital | 4,994,000 | 4,877,000 | 5,180,000 | 3,855,000 |
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 | 975,000 | 1,995,000 | 3,019,000 | 4,017,000 |
| Interest expense | 255,000 | 533,000 | 831,000 | 1,145,000 |
| Net interest income | 720,000 | 1,462,000 | 2,188,000 | 2,872,000 |
| Noninterest income | 151,000 | 330,000 | 486,000 | 662,000 |
| Noninterest expense | 613,000 | 1,224,000 | 1,828,000 | 2,438,000 |
| Provision for loan losses | 30,000 | 60,000 | 100,000 | 1,449,000 |
| Pretax income | 230,000 | 506,000 | 721,000 | -377,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 230,000 | 506,000 | 721,000 | -377,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,964,000 | 4,989,000 | 5,204,000 | 3,894,000 |
| Total capital | 5,615,000 | 5,667,000 | 5,883,000 | 4,569,000 |
| Risk-weighted assets | 51,906,000 | 54,029,000 | 53,392,000 | 52,772,000 |