Call reports 2004
STATE BANK OF DRUMMOND — 2004
What STATE BANK OF DRUMMOND 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 | 35,716,000 | 35,482,000 | 36,529,000 | 36,649,000 |
| Total loans | 19,188,000 | 20,462,000 | 22,566,000 | 24,171,000 |
| Allowance for loan losses | 301,000 | 294,000 | 289,000 | 286,000 |
| Securities available for sale | 10,438,000 | 10,229,000 | 9,526,000 | 8,294,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,794,000 | 30,659,000 | 31,543,000 | 31,822,000 |
| Interest-bearing deposits | 26,107,000 | 25,714,000 | 25,690,000 | 26,785,000 |
| Noninterest-bearing deposits | 4,687,000 | 4,945,000 | 5,853,000 | 5,037,000 |
| Equity capital | 4,579,000 | 4,501,000 | 4,728,000 | 4,566,000 |
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 | 429,000 | 892,000 | 1,360,000 | 1,860,000 |
| Interest expense | 96,000 | 189,000 | 282,000 | 378,000 |
| Net interest income | 333,000 | 703,000 | 1,078,000 | 1,482,000 |
| Noninterest income | 49,000 | 104,000 | 159,000 | 237,000 |
| Noninterest expense | 295,000 | 619,000 | 873,000 | 1,269,000 |
| Provision for loan losses | 0 | 0 | 0 | 4,000 |
| Pretax income | 87,000 | 188,000 | 364,000 | 446,000 |
| Income tax | 4,000 | 13,000 | 23,000 | 65,000 |
| Net income | 83,000 | 175,000 | 361,000 | 381,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,437,000 | 4,462,000 | 4,648,000 | 4,536,000 |
| Total capital | 4,688,000 | 4,723,000 | 4,921,000 | 4,822,000 |
| Risk-weighted assets | 20,024,000 | 20,814,000 | 21,804,000 | 23,345,000 |