Call reports 2004
STATE BANK OF DE KALB — 2004
What STATE BANK OF DE KALB 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 | 110,774,000 | 112,422,000 | 109,476,000 | 112,132,000 |
| Total loans | 62,194,000 | 62,353,000 | 60,700,000 | 57,596,000 |
| Allowance for loan losses | 731,000 | 730,000 | 707,000 | 750,000 |
| Securities available for sale | 9,984,000 | 12,542,000 | 12,113,000 | 10,071,000 |
| Securities held to maturity | 33,947,000 | 32,363,000 | 30,746,000 | 38,463,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,937,000 | 95,494,000 | 92,540,000 | 95,457,000 |
| Interest-bearing deposits | 78,965,000 | 80,272,000 | 76,789,000 | 78,600,000 |
| Noninterest-bearing deposits | 14,972,000 | 15,222,000 | 15,751,000 | 16,857,000 |
| Equity capital | 16,711,000 | 16,754,000 | 16,726,000 | 16,544,000 |
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 | 1,384,000 | 2,670,000 | 3,928,000 | 5,159,000 |
| Interest expense | 249,000 | 491,000 | 750,000 | 1,038,000 |
| Net interest income | 1,135,000 | 2,179,000 | 3,178,000 | 4,121,000 |
| Noninterest income | 134,000 | 265,000 | 390,000 | 503,000 |
| Noninterest expense | 589,000 | 1,174,000 | 1,765,000 | 2,439,000 |
| Provision for loan losses | 0 | 0 | 0 | 50,000 |
| Pretax income | 680,000 | 1,270,000 | 1,803,000 | 2,135,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 680,000 | 1,270,000 | 1,803,000 | 2,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,645,000 | 16,736,000 | 16,768,000 | 16,600,000 |
| Total capital | 17,376,000 | 17,466,000 | 17,475,000 | 17,350,000 |
| Risk-weighted assets | 72,073,000 | 71,867,000 | 67,388,000 | 65,353,000 |