Call reports 2004
SMITH COUNTY STATE BANK AND TRUST COMPANY, THE — 2004
What SMITH COUNTY STATE BANK AND TRUST COMPANY, 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 | 62,332,000 | 62,258,000 | 59,803,000 | 60,572,000 |
| Total loans | 24,627,000 | 25,401,000 | 24,947,000 | 26,743,000 |
| Allowance for loan losses | 539,000 | 533,000 | 531,000 | 534,000 |
| Securities available for sale | 5,768,000 | 5,519,000 | 4,974,000 | 4,509,000 |
| Securities held to maturity | 25,650,000 | 26,504,000 | 25,091,000 | 23,787,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,069,000 | 54,949,000 | 52,388,000 | 53,319,000 |
| Interest-bearing deposits | 50,038,000 | 49,421,000 | 47,211,000 | 47,606,000 |
| Noninterest-bearing deposits | 5,031,000 | 5,528,000 | 5,177,000 | 5,713,000 |
| Equity capital | 7,012,000 | 6,981,000 | 7,015,000 | 7,059,000 |
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 | 699,000 | 1,395,000 | 2,091,000 | 2,786,000 |
| Interest expense | 241,000 | 473,000 | 697,000 | 917,000 |
| Net interest income | 458,000 | 922,000 | 1,394,000 | 1,869,000 |
| Noninterest income | 356,000 | 738,000 | 1,060,000 | 1,498,000 |
| Noninterest expense | 637,000 | 1,301,000 | 1,974,000 | 2,692,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 171,000 | 346,000 | 461,000 | 650,000 |
| Income tax | 6,000 | 11,000 | 17,000 | 30,000 |
| Net income | 165,000 | 335,000 | 444,000 | 620,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,866,000 | 6,929,000 | 6,928,000 | 6,994,000 |
| Total capital | 7,249,000 | 7,321,000 | 7,314,000 | 7,400,000 |
| Risk-weighted assets | 30,478,000 | 31,240,000 | 30,737,000 | 32,360,000 |