Call reports 2004
STATE BANK OF DAVIS — 2004
What STATE BANK OF DAVIS 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 | 73,363,000 | 75,971,000 | 75,475,000 | 76,987,000 |
| Total loans | 47,315,000 | 50,619,000 | 46,738,000 | 50,669,000 |
| Allowance for loan losses | 660,000 | 677,000 | 635,000 | 642,000 |
| Securities available for sale | 17,341,000 | 16,654,000 | 17,175,000 | 17,933,000 |
| Securities held to maturity | 6,827,000 | 6,776,000 | 6,606,000 | 6,441,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,764,000 | 67,036,000 | 68,753,000 | 68,741,000 |
| Interest-bearing deposits | 62,594,000 | 62,606,000 | 63,491,000 | 62,913,000 |
| Noninterest-bearing deposits | 4,170,000 | 4,430,000 | 5,262,000 | 5,828,000 |
| Equity capital | 6,014,000 | 5,933,000 | 6,269,000 | 6,381,000 |
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 | 999,000 | 1,993,000 | 2,990,000 | 4,047,000 |
| Interest expense | 321,000 | 627,000 | 942,000 | 1,270,000 |
| Net interest income | 678,000 | 1,366,000 | 2,048,000 | 2,777,000 |
| Noninterest income | 52,000 | 104,000 | 151,000 | 204,000 |
| Noninterest expense | 339,000 | 677,000 | 1,015,000 | 1,378,000 |
| Provision for loan losses | 16,000 | 33,000 | 49,000 | 66,000 |
| Pretax income | 375,000 | 755,000 | 1,130,000 | 1,526,000 |
| Income tax | 104,000 | 210,000 | 308,000 | 408,000 |
| Net income | 271,000 | 545,000 | 822,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,689,000 | 5,863,000 | 6,040,000 | 6,236,000 |
| Total capital | 6,340,000 | 6,540,000 | 6,675,000 | 6,878,000 |
| Risk-weighted assets | 52,040,000 | 54,815,000 | 52,198,000 | 54,542,000 |