Call reports 2004
BATH STATE BANK — 2004
What BATH STATE 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 | 99,999,000 | 104,411,000 | 106,778,000 | 106,390,000 |
| Total loans | 73,680,000 | 83,187,000 | 83,553,000 | 83,112,000 |
| Allowance for loan losses | 884,000 | 919,000 | 891,000 | 915,000 |
| Securities available for sale | 13,196,000 | 12,132,000 | 11,788,000 | 10,562,000 |
| Securities held to maturity | 1,697,000 | 1,697,000 | 1,698,000 | 3,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,336,000 | 81,721,000 | 82,412,000 | 83,946,000 |
| Interest-bearing deposits | 77,937,000 | 77,752,000 | 78,449,000 | 79,413,000 |
| Noninterest-bearing deposits | 4,399,000 | 3,969,000 | 3,963,000 | 4,533,000 |
| Equity capital | 8,131,000 | 8,138,000 | 8,631,000 | 8,829,000 |
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 | 1,440,000 | 2,986,000 | 4,624,000 | 6,289,000 |
| Interest expense | 658,000 | 1,314,000 | 2,012,000 | 2,708,000 |
| Net interest income | 782,000 | 1,672,000 | 2,612,000 | 3,581,000 |
| Noninterest income | 92,000 | 304,000 | 530,000 | 813,000 |
| Noninterest expense | 583,000 | 1,194,000 | 1,903,000 | 2,711,000 |
| Provision for loan losses | 33,000 | 67,000 | 98,000 | 129,000 |
| Pretax income | 254,000 | 711,000 | 1,137,000 | 1,554,000 |
| Income tax | 61,000 | 193,000 | 316,000 | 419,000 |
| Net income | 193,000 | 518,000 | 821,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,872,000 | 8,128,000 | 8,430,000 | 8,666,000 |
| Total capital | 8,756,000 | 9,047,000 | 9,321,000 | 9,581,000 |
| Risk-weighted assets | 75,224,000 | 83,729,000 | 84,989,000 | 84,812,000 |