Call reports 2004
STATE EXCHANGE BANK, THE — 2004
What STATE EXCHANGE BANK, THE 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 | 27,830,000 | 26,655,000 | 26,868,000 | 30,246,000 |
| Total loans | 14,981,000 | 14,796,000 | 14,128,000 | 13,988,000 |
| Allowance for loan losses | 249,000 | 237,000 | 232,000 | 203,000 |
| Securities available for sale | 9,621,000 | 8,328,000 | 8,604,000 | 10,697,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,110,000 | 20,487,000 | 20,620,000 | 24,031,000 |
| Interest-bearing deposits | 18,573,000 | 18,050,000 | 17,867,000 | 19,964,000 |
| Noninterest-bearing deposits | 2,537,000 | 2,437,000 | 2,753,000 | 4,068,000 |
| Equity capital | 3,035,000 | 2,983,000 | 3,067,000 | 3,041,000 |
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 | 367,000 | 738,000 | 1,103,000 | 1,473,000 |
| Interest expense | 117,000 | 253,000 | 379,000 | 503,000 |
| Net interest income | 250,000 | 485,000 | 724,000 | 970,000 |
| Noninterest income | 24,000 | 55,000 | 80,000 | 98,000 |
| Noninterest expense | 142,000 | 282,000 | 448,000 | 661,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 132,000 | 258,000 | 356,000 | 407,000 |
| Income tax | 3,000 | 11,000 | 0 | 17,000 |
| Net income | 129,000 | 247,000 | 356,000 | 390,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,811,000 | 2,929,000 | 2,938,000 | 2,976,000 |
| Total capital | 3,031,000 | 3,144,000 | 3,146,000 | 3,179,000 |
| Risk-weighted assets | 17,583,000 | 17,202,000 | 16,647,000 | 16,887,000 |