Call reports 2004
STATE BANK OF HERSCHER — 2004
What STATE BANK OF HERSCHER 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 | 105,872,000 | 105,177,000 | 111,680,000 | 120,437,000 |
| Total loans | 61,419,000 | 64,947,000 | 70,299,000 | 73,311,000 |
| Allowance for loan losses | 857,000 | 867,000 | 892,000 | 711,000 |
| Securities available for sale | 17,860,000 | 16,944,000 | 15,536,000 | 15,972,000 |
| Securities held to maturity | 12,064,000 | 13,789,000 | 13,859,000 | 13,987,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,846,000 | 92,282,000 | 98,273,000 | 107,264,000 |
| Interest-bearing deposits | 82,818,000 | 81,797,000 | 87,690,000 | 95,663,000 |
| Noninterest-bearing deposits | 10,028,000 | 10,485,000 | 10,583,000 | 11,601,000 |
| Equity capital | 11,921,000 | 11,877,000 | 12,306,000 | 12,187,000 |
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 | 1,315,000 | 2,665,000 | 4,104,000 | 5,598,000 |
| Interest expense | 454,000 | 875,000 | 1,301,000 | 1,727,000 |
| Net interest income | 861,000 | 1,790,000 | 2,803,000 | 3,871,000 |
| Noninterest income | 160,000 | 245,000 | 330,000 | 408,000 |
| Noninterest expense | 619,000 | 1,246,000 | 1,917,000 | 2,584,000 |
| Provision for loan losses | 5,000 | 5,000 | 29,000 | 65,000 |
| Pretax income | 399,000 | 786,000 | 1,189,000 | 1,632,000 |
| Income tax | 113,000 | 226,000 | 341,000 | 469,000 |
| Net income | 286,000 | 560,000 | 848,000 | 1,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,703,000 | 11,936,000 | 12,220,000 | 12,163,000 |
| Total capital | 12,560,000 | 12,803,000 | 13,112,000 | 12,874,000 |
| Risk-weighted assets | 71,839,000 | 74,034,000 | 79,509,000 | 90,924,000 |