Call reports 2004
SHERMAN COUNTY BANK — 2004
What SHERMAN COUNTY 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 | 82,298,000 | 83,855,000 | 88,113,000 | 85,760,000 |
| Total loans | 49,382,000 | 51,036,000 | 54,647,000 | 53,735,000 |
| Allowance for loan losses | 1,761,000 | 1,759,000 | 1,762,000 | 1,597,000 |
| Securities available for sale | 21,865,000 | 23,910,000 | 23,746,000 | 20,735,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,137,000 | 57,331,000 | 59,884,000 | 60,187,000 |
| Interest-bearing deposits | 50,658,000 | 51,359,000 | 51,429,000 | 53,120,000 |
| Noninterest-bearing deposits | 5,479,000 | 5,972,000 | 8,455,000 | 7,067,000 |
| Equity capital | 7,914,000 | 7,503,000 | 8,019,000 | 8,317,000 |
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 | 1,229,000 | 2,454,000 | 3,768,000 | 5,118,000 |
| Interest expense | 587,000 | 1,058,000 | 1,649,000 | 2,168,000 |
| Net interest income | 642,000 | 1,396,000 | 2,119,000 | 2,950,000 |
| Noninterest income | 161,000 | 295,000 | 403,000 | 590,000 |
| Noninterest expense | 509,000 | 1,152,000 | 1,653,000 | 2,137,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 266,000 | 530,000 | 870,000 | 1,399,000 |
| Income tax | 52,000 | 133,000 | 230,000 | 293,000 |
| Net income | 214,000 | 397,000 | 640,000 | 1,106,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,426,000 | 7,460,000 | 7,603,000 | 8,019,000 |
| Total capital | 8,087,000 | 8,173,000 | 8,358,000 | 8,781,000 |
| Risk-weighted assets | 51,915,000 | 56,004,000 | 59,407,000 | 60,023,000 |