Call reports 2004
BONHAM STATE BANK — 2004
What BONHAM 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 | 95,665,000 | 98,542,000 | 94,482,000 | 92,724,000 |
| Total loans | 45,283,000 | 44,779,000 | 43,285,000 | 42,796,000 |
| Allowance for loan losses | 554,000 | 497,000 | 507,000 | 489,000 |
| Securities available for sale | 27,030,000 | 26,778,000 | 26,829,000 | 24,491,000 |
| Securities held to maturity | 9,310,000 | 12,960,000 | 13,136,000 | 15,771,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,892,000 | 88,848,000 | 84,185,000 | 83,011,000 |
| Interest-bearing deposits | 68,455,000 | 66,908,000 | 66,040,000 | 65,563,000 |
| Noninterest-bearing deposits | 17,437,000 | 21,940,000 | 18,145,000 | 17,448,000 |
| Equity capital | 8,995,000 | 8,907,000 | 9,436,000 | 8,930,000 |
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 | 1,142,000 | 2,268,000 | 3,383,000 | 4,504,000 |
| Interest expense | 274,000 | 539,000 | 813,000 | 1,099,000 |
| Net interest income | 868,000 | 1,729,000 | 2,570,000 | 3,405,000 |
| Noninterest income | 173,000 | 320,000 | 502,000 | 618,000 |
| Noninterest expense | 584,000 | 1,188,000 | 1,840,000 | 2,476,000 |
| Provision for loan losses | 42,000 | 87,000 | 117,000 | 117,000 |
| Pretax income | 415,000 | 779,000 | 1,120,000 | 1,439,000 |
| Income tax | 106,000 | 203,000 | 289,000 | 347,000 |
| Net income | 309,000 | 576,000 | 831,000 | 1,092,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,989,000 | 9,256,000 | 9,511,000 | 9,059,000 |
| Total capital | 9,543,000 | 9,753,000 | 10,018,000 | 9,548,000 |
| Risk-weighted assets | 50,941,000 | 51,905,000 | 50,439,000 | 47,431,000 |