Call reports 2004
VIKING STATE BANK & TRUST — 2004
What VIKING STATE BANK & TRUST 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 | 60,480,000 | 62,263,000 | 62,106,000 | 69,416,000 |
| Total loans | 52,512,000 | 54,454,000 | 55,741,000 | 56,189,000 |
| Allowance for loan losses | 548,000 | 548,000 | 571,000 | 591,000 |
| Securities available for sale | 2,769,000 | 3,166,000 | 3,188,000 | 2,922,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,173,000 | 54,337,000 | 51,796,000 | 59,630,000 |
| Interest-bearing deposits | 48,244,000 | 49,706,000 | 46,879,000 | 53,839,000 |
| Noninterest-bearing deposits | 5,929,000 | 4,631,000 | 4,917,000 | 5,791,000 |
| Equity capital | 6,095,000 | 6,189,000 | 6,423,000 | 6,317,000 |
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 | 829,000 | 1,683,000 | 2,580,000 | 3,509,000 |
| Interest expense | 201,000 | 414,000 | 661,000 | 944,000 |
| Net interest income | 628,000 | 1,269,000 | 1,919,000 | 2,565,000 |
| Noninterest income | 60,000 | 134,000 | 207,000 | 270,000 |
| Noninterest expense | 292,000 | 607,000 | 968,000 | 1,313,000 |
| Provision for loan losses | 0 | 0 | 23,000 | 43,000 |
| Pretax income | 396,000 | 796,000 | 1,135,000 | 1,479,000 |
| Income tax | 20,000 | 40,000 | 57,000 | 74,000 |
| Net income | 376,000 | 756,000 | 1,078,000 | 1,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,043,000 | 6,188,000 | 6,399,000 | 6,309,000 |
| Total capital | 6,591,000 | 6,736,000 | 6,970,000 | 6,900,000 |
| Risk-weighted assets | 51,609,000 | 53,666,000 | 53,804,000 | 55,999,000 |