Call reports 2004
PEARLAND STATE BANK — 2004
What PEARLAND 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 | 116,791,000 | 112,991,000 | 114,620,000 | 114,720,000 |
| Total loans | 41,428,000 | 40,753,000 | 41,870,000 | 45,495,000 |
| Allowance for loan losses | 320,000 | 291,000 | 403,000 | 513,000 |
| Securities available for sale | 62,279,000 | 60,624,000 | 59,612,000 | 59,481,000 |
| Securities held to maturity | 4,320,000 | 3,186,000 | 2,287,000 | 1,901,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,048,000 | 98,115,000 | 98,599,000 | 98,236,000 |
| Interest-bearing deposits | 67,975,000 | 67,799,000 | 67,459,000 | 66,826,000 |
| Noninterest-bearing deposits | 32,073,000 | 30,316,000 | 31,140,000 | 31,410,000 |
| Equity capital | 16,462,000 | 14,489,000 | 15,569,000 | 16,205,000 |
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 | 1,448,000 | 2,835,000 | 4,254,000 | 5,690,000 |
| Interest expense | 141,000 | 280,000 | 426,000 | 582,000 |
| Net interest income | 1,307,000 | 2,555,000 | 3,828,000 | 5,108,000 |
| Noninterest income | 311,000 | 630,000 | 947,000 | 1,260,000 |
| Noninterest expense | 751,000 | 1,477,000 | 2,208,000 | 2,927,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 867,000 | 1,708,000 | 2,567,000 | 3,441,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 867,000 | 1,708,000 | 2,567,000 | 3,441,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,397,000 | 14,903,000 | 15,012,000 | 15,886,000 |
| Total capital | 15,717,000 | 15,194,000 | 15,415,000 | 16,399,000 |
| Risk-weighted assets | 79,565,000 | 64,754,000 | 60,572,000 | 77,340,000 |