Call reports 2004
FIRST STATE BANK OF ST. ROBERT — 2004
What FIRST STATE BANK OF ST. ROBERT 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 | 61,565,000 | 62,858,000 | 65,558,000 | 65,151,000 |
| Total loans | 44,745,000 | 46,630,000 | 47,580,000 | 48,094,000 |
| Allowance for loan losses | 487,000 | 505,000 | 499,000 | 511,000 |
| Securities available for sale | 8,012,000 | 8,344,000 | 6,099,000 | 6,513,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,781,000 | 55,025,000 | 57,499,000 | 56,918,000 |
| Interest-bearing deposits | 47,437,000 | 48,215,000 | 50,912,000 | 50,098,000 |
| Noninterest-bearing deposits | 6,344,000 | 6,810,000 | 6,587,000 | 6,820,000 |
| Equity capital | 4,642,000 | 4,697,000 | 4,905,000 | 5,115,000 |
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 | 893,000 | 1,820,000 | 2,762,000 | 3,733,000 |
| Interest expense | 251,000 | 508,000 | 764,000 | 1,031,000 |
| Net interest income | 642,000 | 1,312,000 | 1,998,000 | 2,702,000 |
| Noninterest income | 140,000 | 271,000 | 407,000 | 614,000 |
| Noninterest expense | 506,000 | 1,018,000 | 1,581,000 | 2,132,000 |
| Provision for loan losses | 22,000 | 50,000 | 85,000 | 128,000 |
| Pretax income | 253,000 | 514,000 | 744,000 | 1,063,000 |
| Income tax | 94,000 | 191,000 | 254,000 | 349,000 |
| Net income | 159,000 | 323,000 | 490,000 | 714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,511,000 | 4,697,000 | 4,877,000 | 5,109,000 |
| Total capital | 4,998,000 | 5,202,000 | 5,376,000 | 5,620,000 |
| Risk-weighted assets | 40,729,000 | 41,881,000 | 41,497,000 | 41,758,000 |