Call reports 2004
STONE COUNTY NATIONAL BANK — 2004
What STONE COUNTY NATIONAL 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 | 73,205,000 | 73,790,000 | 71,806,000 | 70,963,000 |
| Total loans | 33,538,000 | 34,920,000 | 35,105,000 | 36,158,000 |
| Allowance for loan losses | 430,000 | 445,000 | 449,000 | 472,000 |
| Securities available for sale | 35,251,000 | 33,815,000 | 32,575,000 | 31,006,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,786,000 | 63,644,000 | 60,839,000 | 59,497,000 |
| Interest-bearing deposits | 55,416,000 | 53,041,000 | 50,611,000 | 49,581,000 |
| Noninterest-bearing deposits | 9,370,000 | 10,603,000 | 10,228,000 | 9,916,000 |
| Equity capital | 6,962,000 | 6,156,000 | 6,886,000 | 6,902,000 |
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 | 873,000 | 1,769,000 | 2,676,000 | 3,575,000 |
| Interest expense | 213,000 | 421,000 | 628,000 | 845,000 |
| Net interest income | 660,000 | 1,348,000 | 2,048,000 | 2,730,000 |
| Noninterest income | 162,000 | 217,000 | 368,000 | 496,000 |
| Noninterest expense | 509,000 | 951,000 | 1,464,000 | 1,954,000 |
| Provision for loan losses | 27,000 | 57,000 | 87,000 | 117,000 |
| Pretax income | 286,000 | 564,000 | 868,000 | 1,158,000 |
| Income tax | 5,000 | 13,000 | 20,000 | 28,000 |
| Net income | 281,000 | 551,000 | 848,000 | 1,130,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,638,000 | 6,699,000 | 6,898,000 | 7,081,000 |
| Total capital | 7,068,000 | 7,144,000 | 7,347,000 | 7,553,000 |
| Risk-weighted assets | 38,033,000 | 38,554,000 | 38,211,000 | 37,764,000 |