Call reports 2004
BANK SNB — 2004
What BANK SNB 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 | 1,666,155,000 | 1,746,704,000 | 1,841,369,000 | 1,877,046,000 |
| Total loans | 1,405,751,000 | 1,471,072,000 | 1,578,094,000 | 1,597,088,000 |
| Allowance for loan losses | 16,054,000 | 17,480,000 | 19,573,000 | 19,627,000 |
| Securities available for sale | 180,289,000 | 194,621,000 | 184,837,000 | 193,985,000 |
| Securities held to maturity | 12,736,000 | 7,436,000 | 2,500,000 | 2,495,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,301,758,000 | 1,363,571,000 | 1,431,170,000 | 1,504,719,000 |
| Interest-bearing deposits | 1,239,493,000 | 1,308,459,000 | 1,373,009,000 | 1,323,818,000 |
| Noninterest-bearing deposits | 62,265,000 | 55,112,000 | 58,161,000 | 180,901,000 |
| Equity capital | 144,401,000 | 146,024,000 | 152,832,000 | 157,952,000 |
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 | 22,508,000 | 46,430,000 | 73,002,000 | 102,801,000 |
| Interest expense | 6,086,000 | 12,370,000 | 19,455,000 | 27,769,000 |
| Net interest income | 16,422,000 | 34,060,000 | 53,547,000 | 75,032,000 |
| Noninterest income | 3,132,000 | 6,505,000 | 10,485,000 | 14,340,000 |
| Noninterest expense | 9,892,000 | 19,925,000 | 30,621,000 | 42,243,000 |
| Provision for loan losses | 1,583,000 | 3,998,000 | 7,860,000 | 12,742,000 |
| Pretax income | 8,080,000 | 16,643,000 | 25,442,000 | 34,325,000 |
| Income tax | 2,958,000 | 6,062,000 | 9,327,000 | 12,510,000 |
| Net income | 5,122,000 | 10,581,000 | 16,115,000 | 21,815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,229,000 | 147,205,000 | 152,733,000 | 158,445,000 |
| Total capital | 159,300,000 | 164,701,000 | 171,429,000 | 177,433,000 |
| Risk-weighted assets | 1,352,363,000 | 1,440,393,000 | 1,493,755,000 | 1,517,179,000 |