Call reports 2004
SHARON BANK — 2004
What SHARON 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 | 183,440,000 | 192,073,000 | 192,004,000 | 184,801,000 |
| Total loans | 92,273,000 | 100,545,000 | 103,592,000 | 102,938,000 |
| Allowance for loan losses | 170,000 | 170,000 | 170,000 | 190,000 |
| Securities available for sale | 10,859,000 | 10,898,000 | 10,915,000 | 10,929,000 |
| Securities held to maturity | 66,533,000 | 66,602,000 | 62,635,000 | 56,191,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,359,000 | 155,739,000 | 149,820,000 | 149,759,000 |
| Interest-bearing deposits | 149,054,000 | 148,409,000 | 144,771,000 | 144,936,000 |
| Noninterest-bearing deposits | 4,305,000 | 7,330,000 | 5,049,000 | 4,823,000 |
| Equity capital | 14,635,000 | 14,848,000 | 20,102,000 | 20,266,000 |
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 | 2,180,000 | 4,282,000 | 6,473,000 | 8,517,000 |
| Interest expense | 757,000 | 1,483,000 | 2,255,000 | 3,068,000 |
| Net interest income | 1,423,000 | 2,799,000 | 4,218,000 | 5,449,000 |
| Noninterest income | 76,000 | 133,000 | 189,000 | 304,000 |
| Noninterest expense | 939,000 | 2,049,000 | 3,030,000 | 4,061,000 |
| Provision for loan losses | 8,000 | 17,000 | 17,000 | 37,000 |
| Pretax income | 533,000 | 854,000 | 1,360,000 | 1,655,000 |
| Income tax | 191,000 | 286,000 | 436,000 | 520,000 |
| Net income | 342,000 | 568,000 | 924,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,610,000 | 14,816,000 | 20,076,000 | 20,244,000 |
| Total capital | 14,780,000 | 19,986,000 | 20,246,000 | 20,434,000 |
| Risk-weighted assets | 89,699,000 | 93,995,000 | 93,144,000 | 90,180,000 |