Call reports 2004
STATE BANK OF TAUNTON — 2004
What STATE BANK OF TAUNTON 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 | 31,277,000 | 31,580,000 | 31,412,000 | 32,812,000 |
| Total loans | 15,950,000 | 16,724,000 | 16,485,000 | 16,551,000 |
| Allowance for loan losses | 592,000 | 582,000 | 350,000 | 417,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,089,000 | 12,361,000 | 12,394,000 | 13,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,725,000 | 26,925,000 | 26,696,000 | 28,137,000 |
| Interest-bearing deposits | 24,512,000 | 24,813,000 | 24,729,000 | 25,424,000 |
| Noninterest-bearing deposits | 2,213,000 | 2,112,000 | 1,967,000 | 2,713,000 |
| Equity capital | 4,429,000 | 4,480,000 | 4,530,000 | 4,541,000 |
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 | 354,000 | 728,000 | 1,139,000 | 1,560,000 |
| Interest expense | 125,000 | 254,000 | 384,000 | 519,000 |
| Net interest income | 229,000 | 474,000 | 755,000 | 1,041,000 |
| Noninterest income | 23,000 | 47,000 | 76,000 | 103,000 |
| Noninterest expense | 209,000 | 404,000 | 593,000 | 797,000 |
| Provision for loan losses | 10,000 | 10,000 | 60,000 | 120,000 |
| Pretax income | 33,000 | 107,000 | 178,000 | 227,000 |
| Income tax | 3,000 | 26,000 | 47,000 | 58,000 |
| Net income | 30,000 | 81,000 | 131,000 | 169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,429,000 | 4,480,000 | 4,530,000 | 4,541,000 |
| Total capital | 4,827,000 | 4,882,000 | 4,880,000 | 4,956,000 |
| Risk-weighted assets | 31,675,000 | 31,983,000 | 31,762,000 | 33,227,000 |