Call reports 2004
SIDELL STATE BANK — 2004
What SIDELL 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 | 14,041,000 | 16,370,000 | 14,031,000 | 14,125,000 |
| Total loans | 5,820,000 | 6,153,000 | 6,502,000 | 5,830,000 |
| Allowance for loan losses | 100,000 | 99,000 | 99,000 | 99,000 |
| Securities available for sale | 4,443,000 | 3,508,000 | 3,711,000 | 4,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,500,000 | 14,829,000 | 12,616,000 | 12,729,000 |
| Interest-bearing deposits | 10,152,000 | 12,725,000 | 10,445,000 | 9,479,000 |
| Noninterest-bearing deposits | 2,348,000 | 2,104,000 | 2,171,000 | 3,250,000 |
| Equity capital | 1,482,000 | 1,483,000 | 1,348,000 | 1,360,000 |
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 | 145,000 | 294,000 | 441,000 | 593,000 |
| Interest expense | 30,000 | 58,000 | 88,000 | 116,000 |
| Net interest income | 115,000 | 236,000 | 353,000 | 477,000 |
| Noninterest income | 16,000 | 37,000 | 56,000 | 79,000 |
| Noninterest expense | 126,000 | 252,000 | 376,000 | 502,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,000 | 24,000 | 35,000 | 57,000 |
| Income tax | 0 | 0 | 0 | 5,000 |
| Net income | 8,000 | 24,000 | 35,000 | 52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,475,000 | 1,491,000 | 1,352,000 | 1,352,000 |
| Total capital | 1,575,000 | 1,590,000 | 1,448,000 | 1,440,000 |
| Risk-weighted assets | 10,765,000 | 7,895,000 | 7,705,000 | 7,011,000 |