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 | 18,670,000 | 18,657,000 | 20,702,000 | 21,212,000 |
| Total loans | 9,191,000 | 10,267,000 | 9,659,000 | 9,746,000 |
| Allowance for loan losses | 128,000 | 132,000 | 137,000 | 141,000 |
| Securities available for sale | 3,973,000 | 3,206,000 | 4,278,000 | 4,144,000 |
| Securities held to maturity | 214,000 | 213,000 | 213,000 | 212,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,992,000 | 14,867,000 | 16,806,000 | 17,320,000 |
| Interest-bearing deposits | 13,491,000 | 13,465,000 | 14,997,000 | 15,216,000 |
| Noninterest-bearing deposits | 1,501,000 | 1,402,000 | 1,809,000 | 2,104,000 |
| Equity capital | 2,566,000 | 2,534,000 | 2,617,000 | 2,661,000 |
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 | 229,000 | 454,000 | 692,000 | 943,000 |
| Interest expense | 60,000 | 122,000 | 190,000 | 260,000 |
| Net interest income | 169,000 | 332,000 | 502,000 | 683,000 |
| Noninterest income | 37,000 | 126,000 | 156,000 | 187,000 |
| Noninterest expense | 132,000 | 318,000 | 483,000 | 629,000 |
| Provision for loan losses | 5,000 | 9,000 | 14,000 | 18,000 |
| Pretax income | 69,000 | 131,000 | 161,000 | 223,000 |
| Income tax | 15,000 | 26,000 | 36,000 | 33,000 |
| Net income | 54,000 | 105,000 | 125,000 | 190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,433,000 | 2,484,000 | 2,505,000 | 2,570,000 |
| Total capital | 2,561,000 | 2,616,000 | 2,642,000 | 2,711,000 |
| Risk-weighted assets | 11,341,000 | 12,234,000 | 12,725,000 | 12,918,000 |