Call reports 2004
STATE BANK OF PEARL CITY, THE — 2004
What STATE BANK OF PEARL CITY, THE 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 | 35,509,000 | 33,774,000 | 34,183,000 | 34,119,000 |
| Total loans | 16,355,000 | 17,153,000 | 16,812,000 | 17,556,000 |
| Allowance for loan losses | 240,000 | 258,000 | 223,000 | 262,000 |
| Securities available for sale | 15,028,000 | 14,455,000 | 15,143,000 | 14,505,000 |
| Securities held to maturity | 107,000 | 108,000 | 86,000 | 86,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,262,000 | 30,251,000 | 30,013,000 | 30,032,000 |
| Interest-bearing deposits | 28,043,000 | 26,923,000 | 26,558,000 | 26,099,000 |
| Noninterest-bearing deposits | 3,219,000 | 3,328,000 | 3,455,000 | 3,933,000 |
| Equity capital | 4,082,000 | 3,369,000 | 4,009,000 | 3,949,000 |
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 | 493,000 | 975,000 | 1,439,000 | 1,904,000 |
| Interest expense | 161,000 | 312,000 | 463,000 | 611,000 |
| Net interest income | 332,000 | 663,000 | 976,000 | 1,293,000 |
| Noninterest income | 9,000 | 28,000 | 43,000 | 56,000 |
| Noninterest expense | 202,000 | 410,000 | 610,000 | 820,000 |
| Provision for loan losses | 10,000 | 25,000 | 70,000 | 115,000 |
| Pretax income | 130,000 | 263,000 | 346,000 | 422,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 130,000 | 263,000 | 346,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,127,000 | 4,162,000 | 4,208,000 | 4,187,000 |
| Total capital | 4,351,000 | 4,387,000 | 4,428,000 | 4,380,000 |
| Risk-weighted assets | 17,903,000 | 17,977,000 | 17,629,000 | 15,398,000 |