Call reports 2004
CARNEY STATE BANK, THE — 2004
What CARNEY STATE BANK, THE 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 | 15,532,000 | 15,779,000 | 15,801,000 | 15,951,000 |
| Total loans | 4,619,000 | 4,606,000 | 5,242,000 | 5,212,000 |
| Allowance for loan losses | 49,000 | 52,000 | 52,000 | 49,000 |
| Securities available for sale | 1,452,000 | 1,407,000 | 1,429,000 | 1,411,000 |
| Securities held to maturity | 7,507,000 | 7,331,000 | 6,905,000 | 7,295,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,156,000 | 14,439,000 | 14,428,000 | 14,637,000 |
| Interest-bearing deposits | 13,065,000 | 13,009,000 | 13,208,000 | 13,296,000 |
| Noninterest-bearing deposits | 1,091,000 | 1,430,000 | 1,220,000 | 1,341,000 |
| Equity capital | 1,321,000 | 1,299,000 | 1,323,000 | 1,276,000 |
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 | 198,000 | 391,000 | 583,000 | 781,000 |
| Interest expense | 71,000 | 140,000 | 210,000 | 282,000 |
| Net interest income | 127,000 | 251,000 | 373,000 | 499,000 |
| Noninterest income | 29,000 | 59,000 | 93,000 | 122,000 |
| Noninterest expense | 123,000 | 238,000 | 382,000 | 559,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 8,000 |
| Pretax income | 33,000 | 67,000 | 79,000 | 54,000 |
| Income tax | 5,000 | 14,000 | 17,000 | 10,000 |
| Net income | 28,000 | 53,000 | 62,000 | 44,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,281,000 | 1,290,000 | 1,299,000 | 1,264,000 |
| Total capital | 1,330,000 | 1,342,000 | 1,351,000 | 1,313,000 |
| Risk-weighted assets | 4,755,000 | 4,852,000 | 5,285,000 | 5,216,000 |