Call reports 2004
CASTROVILLE STATE BANK — 2004
What CASTROVILLE 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 | 69,122,000 | 66,667,000 | 65,661,000 | 70,641,000 |
| Total loans | 26,789,000 | 26,929,000 | 27,755,000 | 27,281,000 |
| Allowance for loan losses | 613,000 | 613,000 | 614,000 | 401,000 |
| Securities available for sale | 29,631,000 | 27,766,000 | 25,534,000 | 29,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,243,000 | 60,162,000 | 58,823,000 | 63,878,000 |
| Interest-bearing deposits | 55,432,000 | 53,448,000 | 51,487,000 | 56,529,000 |
| Noninterest-bearing deposits | 6,811,000 | 6,714,000 | 7,336,000 | 7,349,000 |
| Equity capital | 6,730,000 | 6,404,000 | 6,741,000 | 6,707,000 |
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 | 719,000 | 1,418,000 | 2,110,000 | 2,842,000 |
| Interest expense | 259,000 | 503,000 | 727,000 | 963,000 |
| Net interest income | 460,000 | 915,000 | 1,383,000 | 1,879,000 |
| Noninterest income | 116,000 | 242,000 | 363,000 | 482,000 |
| Noninterest expense | 362,000 | 729,000 | 1,090,000 | 1,462,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 214,000 | 428,000 | 656,000 | 1,099,000 |
| Income tax | 58,000 | 117,000 | 180,000 | 315,000 |
| Net income | 156,000 | 311,000 | 476,000 | 784,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,472,000 | 6,567,000 | 6,672,000 | 6,739,000 |
| Total capital | 6,886,000 | 6,998,000 | 7,092,000 | 7,140,000 |
| Risk-weighted assets | 32,940,000 | 34,273,000 | 33,403,000 | 34,370,000 |