Call reports 2004
BRIDGE CITY STATE BANK — 2004
What BRIDGE CITY 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 | 83,464,000 | 80,114,000 | 80,625,000 | 83,427,000 |
| Total loans | 40,881,000 | 39,536,000 | 36,871,000 | 38,024,000 |
| Allowance for loan losses | 1,478,000 | 1,523,000 | 1,507,000 | 1,312,000 |
| Securities available for sale | 30,363,000 | 31,416,000 | 34,261,000 | 34,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,019,000 | 73,426,000 | 73,633,000 | 76,409,000 |
| Interest-bearing deposits | 59,583,000 | 56,792,000 | 57,559,000 | 59,246,000 |
| Noninterest-bearing deposits | 16,436,000 | 16,634,000 | 16,074,000 | 17,163,000 |
| Equity capital | 7,010,000 | 6,480,000 | 6,760,000 | 6,815,000 |
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 | 989,000 | 1,963,000 | 2,934,000 | 3,917,000 |
| Interest expense | 207,000 | 407,000 | 612,000 | 824,000 |
| Net interest income | 782,000 | 1,556,000 | 2,322,000 | 3,093,000 |
| Noninterest income | 187,000 | 368,000 | 510,000 | 674,000 |
| Noninterest expense | 764,000 | 1,503,000 | 2,219,000 | 3,024,000 |
| Provision for loan losses | 0 | 0 | 0 | -200,000 |
| Pretax income | 205,000 | 421,000 | 613,000 | 943,000 |
| Income tax | 43,000 | 85,000 | 70,000 | 44,000 |
| Net income | 162,000 | 336,000 | 543,000 | 899,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,712,000 | 6,785,000 | 6,893,000 | 6,783,000 |
| Total capital | 7,322,000 | 7,391,000 | 7,470,000 | 7,373,000 |
| Risk-weighted assets | 47,899,000 | 47,553,000 | 45,255,000 | 46,508,000 |