Call reports 2004
BANK OF STRONGHURST — 2004
What BANK OF STRONGHURST 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 | 63,503,000 | 61,678,000 | 60,525,000 | 60,647,000 |
| Total loans | 16,053,000 | 16,630,000 | 17,078,000 | 16,413,000 |
| Allowance for loan losses | 317,000 | 315,000 | 315,000 | 315,000 |
| Securities available for sale | 37,133,000 | 36,855,000 | 38,199,000 | 36,979,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,894,000 | 50,972,000 | 49,085,000 | 49,283,000 |
| Interest-bearing deposits | 48,316,000 | 47,808,000 | 46,268,000 | 45,740,000 |
| Noninterest-bearing deposits | 3,578,000 | 3,164,000 | 2,817,000 | 3,543,000 |
| Equity capital | 11,252,000 | 10,487,000 | 11,216,000 | 11,049,000 |
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 | 695,000 | 1,386,000 | 2,072,000 | 2,759,000 |
| Interest expense | 269,000 | 526,000 | 775,000 | 1,022,000 |
| Net interest income | 426,000 | 860,000 | 1,297,000 | 1,737,000 |
| Noninterest income | 27,000 | 54,000 | 82,000 | 107,000 |
| Noninterest expense | 313,000 | 629,000 | 943,000 | 1,291,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 140,000 | 287,000 | 438,000 | 555,000 |
| Income tax | 33,000 | 63,000 | 103,000 | 129,000 |
| Net income | 107,000 | 224,000 | 335,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,068,000 | 11,185,000 | 11,296,000 | 11,255,000 |
| Total capital | 11,363,000 | 11,488,000 | 11,598,000 | 11,553,000 |
| Risk-weighted assets | 23,572,000 | 24,248,000 | 24,124,000 | 23,860,000 |