Call reports 2004
NAPOLEON STATE BANK, THE — 2004
What NAPOLEON 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 | 89,018,000 | 88,938,000 | 88,507,000 | 90,299,000 |
| Total loans | 69,561,000 | 71,750,000 | 74,182,000 | 75,545,000 |
| Allowance for loan losses | 810,000 | 825,000 | 862,000 | 849,000 |
| Securities available for sale | 5,396,000 | 6,045,000 | 5,759,000 | 5,727,000 |
| Securities held to maturity | 3,151,000 | 3,228,000 | 2,870,000 | 2,940,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,860,000 | 77,934,000 | 75,590,000 | 76,375,000 |
| Interest-bearing deposits | 68,180,000 | 68,311,000 | 66,468,000 | 65,775,000 |
| Noninterest-bearing deposits | 9,680,000 | 9,623,000 | 9,122,000 | 10,600,000 |
| Equity capital | 9,538,000 | 9,663,000 | 9,981,000 | 10,106,000 |
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 | 1,213,000 | 2,448,000 | 3,708,000 | 4,972,000 |
| Interest expense | 369,000 | 732,000 | 1,092,000 | 1,459,000 |
| Net interest income | 844,000 | 1,716,000 | 2,616,000 | 3,513,000 |
| Noninterest income | 126,000 | 270,000 | 436,000 | 600,000 |
| Noninterest expense | 594,000 | 1,186,000 | 1,767,000 | 2,399,000 |
| Provision for loan losses | 15,000 | 50,000 | 90,000 | 120,000 |
| Pretax income | 363,000 | 752,000 | 1,197,000 | 1,596,000 |
| Income tax | 135,000 | 280,000 | 447,000 | 594,000 |
| Net income | 228,000 | 472,000 | 750,000 | 1,002,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,477,000 | 9,684,000 | 9,963,000 | 10,106,000 |
| Total capital | 10,266,000 | 10,495,000 | 10,789,000 | 10,945,000 |
| Risk-weighted assets | 63,071,000 | 64,826,000 | 66,025,000 | 67,164,000 |