Call reports 2004
STATE BANK OF TOULON — 2004
What STATE BANK OF TOULON 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 | 137,840,000 | 134,094,000 | 137,361,000 | 137,657,000 |
| Total loans | 60,288,000 | 60,476,000 | 62,902,000 | 64,220,000 |
| Allowance for loan losses | 833,000 | 803,000 | 818,000 | 816,000 |
| Securities available for sale | 63,436,000 | 61,665,000 | 62,446,000 | 61,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,570,000 | 111,400,000 | 112,200,000 | 113,082,000 |
| Interest-bearing deposits | 107,851,000 | 104,897,000 | 106,260,000 | 106,833,000 |
| Noninterest-bearing deposits | 5,719,000 | 6,503,000 | 5,940,000 | 6,249,000 |
| Equity capital | 12,403,000 | 11,153,000 | 12,226,000 | 11,964,000 |
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 | 1,698,000 | 3,370,000 | 5,051,000 | 6,728,000 |
| Interest expense | 618,000 | 1,225,000 | 1,834,000 | 2,432,000 |
| Net interest income | 1,080,000 | 2,145,000 | 3,217,000 | 4,296,000 |
| Noninterest income | 156,000 | 292,000 | 504,000 | 694,000 |
| Noninterest expense | 666,000 | 1,415,000 | 2,223,000 | 3,108,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 578,000 | 1,017,000 | 1,479,000 | 1,915,000 |
| Income tax | 153,000 | 259,000 | 385,000 | 494,000 |
| Net income | 425,000 | 758,000 | 1,094,000 | 1,421,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,702,000 | 8,831,000 | 9,052,000 | 9,065,000 |
| Total capital | 9,535,000 | 9,634,000 | 9,870,000 | 9,881,000 |
| Risk-weighted assets | 71,882,000 | 71,362,000 | 74,253,000 | 74,562,000 |