Call reports 2004
STONE BANK — 2004
What STONE 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 | 13,135,000 | 12,826,000 | 12,774,000 | 14,230,000 |
| Total loans | 6,148,000 | 6,526,000 | 6,990,000 | 6,673,000 |
| Allowance for loan losses | 104,000 | 93,000 | 80,000 | 83,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,971,000 | 3,705,000 | 3,889,000 | 3,889,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,559,000 | 10,246,000 | 10,173,000 | 11,646,000 |
| Interest-bearing deposits | 6,560,000 | 6,293,000 | 6,257,000 | 6,155,000 |
| Noninterest-bearing deposits | 3,999,000 | 3,953,000 | 3,916,000 | 5,491,000 |
| Equity capital | 2,520,000 | 2,494,000 | 2,497,000 | 2,509,000 |
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 | 152,000 | 313,000 | 478,000 | 640,000 |
| Interest expense | 18,000 | 34,000 | 51,000 | 68,000 |
| Net interest income | 134,000 | 279,000 | 427,000 | 572,000 |
| Noninterest income | 26,000 | 44,000 | 62,000 | 82,000 |
| Noninterest expense | 126,000 | 259,000 | 391,000 | 515,000 |
| Provision for loan losses | 0 | 52,000 | 72,000 | 89,000 |
| Pretax income | 31,000 | 15,000 | 29,000 | 53,000 |
| Income tax | 4,000 | 14,000 | 25,000 | 0 |
| Net income | 27,000 | 1,000 | 4,000 | 53,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,520,000 | 2,494,000 | 2,497,000 | 2,509,000 |
| Total capital | 2,607,000 | 2,587,000 | 2,577,000 | 2,592,000 |
| Risk-weighted assets | 6,891,000 | 7,110,000 | 7,430,000 | 7,384,000 |