Call reports 2004
STRASBURG STATE BANK — 2004
What STRASBURG 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 | 42,500,000 | 41,710,000 | 41,156,000 | 42,784,000 |
| Total loans | 21,588,000 | 24,947,000 | 24,157,000 | 23,876,000 |
| Allowance for loan losses | 272,000 | 272,000 | 224,000 | 242,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,432,000 | 13,990,000 | 13,499,000 | 13,524,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,815,000 | 36,827,000 | 36,162,000 | 37,929,000 |
| Interest-bearing deposits | 33,516,000 | 33,334,000 | 32,378,000 | 33,578,000 |
| Noninterest-bearing deposits | 4,299,000 | 3,493,000 | 3,784,000 | 4,351,000 |
| Equity capital | 4,205,000 | 4,328,000 | 4,325,000 | 4,386,000 |
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 | 529,000 | 1,054,000 | 1,628,000 | 2,198,000 |
| Interest expense | 130,000 | 250,000 | 378,000 | 524,000 |
| Net interest income | 399,000 | 804,000 | 1,250,000 | 1,674,000 |
| Noninterest income | 17,000 | 31,000 | 50,000 | 136,000 |
| Noninterest expense | 240,000 | 511,000 | 767,000 | 1,174,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 75,000 |
| Pretax income | 151,000 | 299,000 | 508,000 | 561,000 |
| Income tax | 44,000 | 69,000 | 124,000 | 116,000 |
| Net income | 107,000 | 230,000 | 384,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,205,000 | 4,328,000 | 4,325,000 | 4,386,000 |
| Total capital | 4,477,000 | 4,600,000 | 4,549,000 | 4,628,000 |
| Risk-weighted assets | 32,598,000 | 35,588,000 | 34,841,000 | 35,186,000 |