Call reports 2004
FIRST CRAWFORD STATE BANK — 2004
What FIRST CRAWFORD STATE BANK 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 | 101,510,000 | 105,510,000 | 100,497,000 | 96,295,000 |
| Total loans | 65,954,000 | 68,615,000 | 68,706,000 | 69,384,000 |
| Allowance for loan losses | 1,191,000 | 1,199,000 | 1,206,000 | 1,143,000 |
| Securities available for sale | 21,213,000 | 19,956,000 | 18,677,000 | 17,370,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,832,000 | 93,128,000 | 87,854,000 | 83,519,000 |
| Interest-bearing deposits | 77,745,000 | 82,750,000 | 76,390,000 | 72,686,000 |
| Noninterest-bearing deposits | 10,087,000 | 10,378,000 | 11,464,000 | 10,833,000 |
| Equity capital | 12,019,000 | 11,747,000 | 12,289,000 | 12,193,000 |
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 | 1,350,000 | 2,688,000 | 4,042,000 | 5,426,000 |
| Interest expense | 345,000 | 659,000 | 965,000 | 1,256,000 |
| Net interest income | 1,005,000 | 2,029,000 | 3,077,000 | 4,170,000 |
| Noninterest income | 241,000 | 502,000 | 754,000 | 1,009,000 |
| Noninterest expense | 633,000 | 1,277,000 | 1,916,000 | 2,566,000 |
| Provision for loan losses | 48,000 | 96,000 | 144,000 | 192,000 |
| Pretax income | 565,000 | 1,212,000 | 1,825,000 | 2,475,000 |
| Income tax | 185,000 | 404,000 | 609,000 | 830,000 |
| Net income | 380,000 | 808,000 | 1,216,000 | 1,645,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,490,000 | 11,511,000 | 11,902,000 | 11,887,000 |
| Total capital | 12,412,000 | 12,445,000 | 12,854,000 | 12,833,000 |
| Risk-weighted assets | 72,663,000 | 74,477,000 | 75,940,000 | 75,522,000 |