Call reports 2004
SSB COMMUNITY BANK — 2004
What SSB COMMUNITY 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 | 39,158,000 | 39,118,000 | 40,198,000 | 40,169,000 |
| Total loans | 35,652,000 | 35,712,000 | 36,426,000 | 36,861,000 |
| Allowance for loan losses | 333,000 | 341,000 | 341,000 | 334,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,187,000 | 32,953,000 | 33,992,000 | 34,072,000 |
| Interest-bearing deposits | 33,178,000 | 32,940,000 | 33,977,000 | 34,057,000 |
| Noninterest-bearing deposits | 9,000 | 13,000 | 15,000 | 15,000 |
| Equity capital | 5,860,000 | 5,946,000 | 6,052,000 | 6,050,000 |
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 | 631,000 | 1,262,000 | 1,900,000 | 2,552,000 |
| Interest expense | 164,000 | 325,000 | 489,000 | 663,000 |
| Net interest income | 467,000 | 937,000 | 1,411,000 | 1,889,000 |
| Noninterest income | 7,000 | 14,000 | 19,000 | 27,000 |
| Noninterest expense | 265,000 | 521,000 | 788,000 | 1,080,000 |
| Provision for loan losses | 15,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 194,000 | 405,000 | 635,000 | 829,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 194,000 | 405,000 | 635,000 | 829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,860,000 | 5,946,000 | 6,052,000 | 6,050,000 |
| Total capital | 6,155,000 | 6,239,000 | 6,358,000 | 6,361,000 |
| Risk-weighted assets | 23,575,000 | 23,396,000 | 24,427,000 | 24,877,000 |