Call reports 2004
STEPHENVILLE BANK AND TRUST CO. — 2004
What STEPHENVILLE BANK AND TRUST CO. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Total assets | 150,689,000 | 145,114,000 | 150,560,000 |
| Total loans | 79,375,000 | 75,177,000 | 81,967,000 |
| Allowance for loan losses | 899,000 | 911,000 | 917,000 |
| Securities available for sale | 44,351,000 | 48,211,000 | 48,816,000 |
| Securities held to maturity | 15,213,000 | 11,456,000 | 10,201,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 131,937,000 | 131,433,000 | 134,222,000 |
| Interest-bearing deposits | 99,586,000 | 99,237,000 | 99,978,000 |
| Noninterest-bearing deposits | 32,352,000 | 32,196,000 | 34,244,000 |
| Equity capital | 13,744,000 | 12,711,000 | 13,406,000 |
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 |
|---|---|---|---|
| Interest income | 1,797,000 | 3,553,000 | 5,360,000 |
| Interest expense | 293,000 | 559,000 | 842,000 |
| Net interest income | 1,504,000 | 2,994,000 | 4,518,000 |
| Noninterest income | 598,000 | 1,251,000 | 1,695,000 |
| Noninterest expense | 941,000 | 1,962,000 | 2,963,000 |
| Provision for loan losses | 10,000 | 20,000 | 40,000 |
| Pretax income | 1,152,000 | 2,264,000 | 3,211,000 |
| Income tax | 359,000 | 702,000 | 987,000 |
| Net income | 793,000 | 1,562,000 | 2,224,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 12,799,000 | 12,817,000 | 12,805,000 |
| Total capital | 13,701,000 | 13,728,000 | 13,724,000 |
| Risk-weighted assets | 82,671,000 | 83,607,000 | 88,292,000 |