Call reports 2004
SCOTTDALE BANK & TRUST CO. THE — 2004
What SCOTTDALE BANK & TRUST CO. THE 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 | 183,954,000 | 183,125,000 | 189,653,000 | 185,947,000 |
| Total loans | 60,010,000 | 59,317,000 | 60,515,000 | 59,299,000 |
| Allowance for loan losses | 635,000 | 651,000 | 661,000 | 690,000 |
| Securities available for sale | 82,754,000 | 89,179,000 | 92,273,000 | 94,686,000 |
| Securities held to maturity | 15,610,000 | 15,902,000 | 15,641,000 | 15,069,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,002,000 | 145,154,000 | 150,252,000 | 146,485,000 |
| Interest-bearing deposits | 121,569,000 | 123,333,000 | 125,162,000 | 125,320,000 |
| Noninterest-bearing deposits | 22,433,000 | 21,821,000 | 25,090,000 | 21,165,000 |
| Equity capital | 36,991,000 | 36,181,000 | 37,096,000 | 37,220,000 |
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 | 1,931,000 | 3,828,000 | 5,731,000 | 7,670,000 |
| Interest expense | 526,000 | 1,071,000 | 1,642,000 | 2,217,000 |
| Net interest income | 1,405,000 | 2,757,000 | 4,089,000 | 5,453,000 |
| Noninterest income | 107,000 | 225,000 | 340,000 | 470,000 |
| Noninterest expense | 925,000 | 1,961,000 | 2,976,000 | 4,071,000 |
| Provision for loan losses | 0 | 15,000 | 30,000 | 60,000 |
| Pretax income | 587,000 | 1,006,000 | 1,423,000 | 1,792,000 |
| Income tax | 152,000 | 245,000 | 327,000 | 406,000 |
| Net income | 435,000 | 761,000 | 1,096,000 | 1,386,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,257,000 | 33,583,000 | 33,774,000 | 34,064,000 |
| Total capital | 33,892,000 | 34,234,000 | 34,435,000 | 34,754,000 |
| Risk-weighted assets | 103,360,000 | 106,138,000 | 107,400,000 | 105,113,000 |