Call reports 2004
S-BANK — 2004
What S-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 | 147,322,000 | 152,653,000 | 157,752,000 | 163,457,000 |
| Total loans | 121,498,000 | 121,248,000 | 125,454,000 | 132,490,000 |
| Allowance for loan losses | 989,000 | 962,000 | 979,000 | 1,009,000 |
| Securities available for sale | 8,616,000 | 16,083,000 | 17,462,000 | 15,480,000 |
| Securities held to maturity | 3,182,000 | 3,056,000 | 2,972,000 | 2,956,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,845,000 | 86,357,000 | 94,813,000 | 97,735,000 |
| Interest-bearing deposits | 72,285,000 | 75,270,000 | 81,531,000 | 83,902,000 |
| Noninterest-bearing deposits | 10,560,000 | 11,087,000 | 13,282,000 | 13,833,000 |
| Equity capital | 12,538,000 | 12,498,000 | 12,728,000 | 12,888,000 |
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 | 1,980,000 | 3,913,000 | 5,960,000 | 8,099,000 |
| Interest expense | 557,000 | 1,112,000 | 1,738,000 | 2,444,000 |
| Net interest income | 1,423,000 | 2,801,000 | 4,222,000 | 5,655,000 |
| Noninterest income | 144,000 | 377,000 | 528,000 | 707,000 |
| Noninterest expense | 1,232,000 | 2,536,000 | 3,832,000 | 5,214,000 |
| Provision for loan losses | 27,000 | 54,000 | 81,000 | 108,000 |
| Pretax income | 354,000 | 634,000 | 998,000 | 1,222,000 |
| Income tax | 94,000 | 183,000 | 315,000 | 386,000 |
| Net income | 260,000 | 451,000 | 683,000 | 836,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,371,000 | 12,500,000 | 12,679,000 | 12,819,000 |
| Total capital | 13,360,000 | 13,462,000 | 13,658,000 | 13,828,000 |
| Risk-weighted assets | 90,327,000 | 92,507,000 | 96,193,000 | 100,286,000 |