Call reports 2004
STATE BANK, THE — 2004
What STATE BANK, 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 | 54,651,000 | 53,216,000 | 55,341,000 | 54,471,000 |
| Total loans | 31,853,000 | 33,016,000 | 33,829,000 | 35,773,000 |
| Allowance for loan losses | 313,000 | 340,000 | 351,000 | 346,000 |
| Securities available for sale | 11,856,000 | 11,969,000 | 11,910,000 | 11,477,000 |
| Securities held to maturity | 401,000 | 401,000 | 401,000 | 201,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,206,000 | 43,658,000 | 45,606,000 | 44,329,000 |
| Interest-bearing deposits | 39,248,000 | 37,732,000 | 38,466,000 | 37,063,000 |
| Noninterest-bearing deposits | 5,958,000 | 5,926,000 | 7,140,000 | 7,266,000 |
| Equity capital | 5,828,000 | 5,758,000 | 6,013,000 | 6,148,000 |
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 | 744,000 | 1,483,000 | 2,251,000 | 3,056,000 |
| Interest expense | 196,000 | 388,000 | 580,000 | 779,000 |
| Net interest income | 548,000 | 1,095,000 | 1,671,000 | 2,277,000 |
| Noninterest income | 96,000 | 256,000 | 361,000 | 465,000 |
| Noninterest expense | 500,000 | 995,000 | 1,501,000 | 1,954,000 |
| Provision for loan losses | 18,000 | 52,000 | 72,000 | 94,000 |
| Pretax income | 126,000 | 304,000 | 459,000 | 694,000 |
| Income tax | 27,000 | 69,000 | 108,000 | 155,000 |
| Net income | 99,000 | 235,000 | 351,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,525,000 | 5,661,000 | 5,777,000 | 5,965,000 |
| Total capital | 5,838,000 | 6,001,000 | 6,128,000 | 6,311,000 |
| Risk-weighted assets | 36,421,000 | 37,202,000 | 38,782,000 | 40,263,000 |