Call reports 2004
STATE BANK OF BOTTINEAU — 2004
What STATE BANK OF BOTTINEAU 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 | 40,188,000 | 40,412,000 | 39,956,000 | 40,434,000 |
| Total loans | 25,757,000 | 28,565,000 | 28,377,000 | 27,467,000 |
| Allowance for loan losses | 480,000 | 464,000 | 462,000 | 441,000 |
| Securities available for sale | 1,199,000 | 1,230,000 | 1,203,000 | 1,160,000 |
| Securities held to maturity | 6,414,000 | 6,127,000 | 5,629,000 | 6,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,843,000 | 34,626,000 | 34,732,000 | 35,768,000 |
| Interest-bearing deposits | 31,761,000 | 31,440,000 | 31,228,000 | 31,641,000 |
| Noninterest-bearing deposits | 4,082,000 | 3,186,000 | 3,504,000 | 4,127,000 |
| Equity capital | 3,732,000 | 3,731,000 | 3,814,000 | 3,930,000 |
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 | 562,000 | 1,114,000 | 1,683,000 | 2,240,000 |
| Interest expense | 131,000 | 257,000 | 386,000 | 512,000 |
| Net interest income | 431,000 | 857,000 | 1,297,000 | 1,728,000 |
| Noninterest income | 53,000 | 120,000 | 169,000 | 219,000 |
| Noninterest expense | 331,000 | 665,000 | 1,002,000 | 1,351,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 138,000 | 282,000 | 419,000 | 536,000 |
| Income tax | 10,000 | 20,000 | 30,000 | 28,000 |
| Net income | 128,000 | 262,000 | 389,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,289,000 | 3,304,000 | 3,386,000 | 3,510,000 |
| Total capital | 3,659,000 | 3,700,000 | 3,780,000 | 3,893,000 |
| Risk-weighted assets | 29,498,000 | 31,586,000 | 31,425,000 | 30,592,000 |