Call reports 2004
STATE BANK OF OSKALOOSA, THE — 2004
What STATE BANK OF OSKALOOSA, 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 | 30,987,000 | 30,308,000 | 29,493,000 | 28,251,000 |
| Total loans | 8,380,000 | 8,346,000 | 8,321,000 | 8,274,000 |
| Allowance for loan losses | 92,000 | 101,000 | 102,000 | 89,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 16,074,000 | 16,279,000 | 14,258,000 | 16,036,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,041,000 | 28,341,000 | 27,531,000 | 26,248,000 |
| Interest-bearing deposits | 24,527,000 | 23,863,000 | 22,156,000 | 22,483,000 |
| Noninterest-bearing deposits | 4,514,000 | 4,478,000 | 5,375,000 | 3,765,000 |
| Equity capital | 1,923,000 | 1,927,000 | 1,912,000 | 1,953,000 |
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 | 227,000 | 458,000 | 697,000 | 961,000 |
| Interest expense | 63,000 | 123,000 | 186,000 | 257,000 |
| Net interest income | 164,000 | 335,000 | 511,000 | 704,000 |
| Noninterest income | 56,000 | 109,000 | 161,000 | 228,000 |
| Noninterest expense | 190,000 | 379,000 | 592,000 | 800,000 |
| Provision for loan losses | 0 | 0 | 0 | -20,000 |
| Pretax income | 30,000 | 65,000 | 80,000 | 152,000 |
| Income tax | 1,000 | 3,000 | 3,000 | 3,000 |
| Net income | 29,000 | 62,000 | 77,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,923,000 | 1,927,000 | 1,912,000 | 1,953,000 |
| Total capital | 2,015,000 | 2,017,000 | 2,005,000 | 2,036,000 |
| Risk-weighted assets | 7,432,000 | 7,214,000 | 7,439,000 | 6,624,000 |