Call reports 2004
HUSTISFORD STATE BANK — 2004
What HUSTISFORD STATE BANK 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 | 36,518,000 | 35,826,000 | 36,211,000 | 36,896,000 |
| Total loans | 26,106,000 | 25,711,000 | 26,605,000 | 26,587,000 |
| Allowance for loan losses | 479,000 | 484,000 | 493,000 | 485,000 |
| Securities available for sale | 6,328,000 | 5,726,000 | 5,006,000 | 4,634,000 |
| Securities held to maturity | 1,125,000 | 1,125,000 | 890,000 | 890,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,943,000 | 29,291,000 | 29,421,000 | 30,225,000 |
| Interest-bearing deposits | 25,472,000 | 25,262,000 | 24,958,000 | 24,567,000 |
| Noninterest-bearing deposits | 4,471,000 | 4,029,000 | 4,463,000 | 5,658,000 |
| Equity capital | 6,253,000 | 6,254,000 | 6,430,000 | 6,405,000 |
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 | 514,000 | 1,030,000 | 1,532,000 | 2,042,000 |
| Interest expense | 135,000 | 258,000 | 377,000 | 493,000 |
| Net interest income | 379,000 | 772,000 | 1,155,000 | 1,549,000 |
| Noninterest income | 25,000 | 62,000 | 101,000 | 155,000 |
| Noninterest expense | 222,000 | 444,000 | 669,000 | 894,000 |
| Provision for loan losses | 7,000 | 13,000 | 18,000 | 21,000 |
| Pretax income | 175,000 | 377,000 | 569,000 | 789,000 |
| Income tax | 57,000 | 156,000 | 226,000 | 293,000 |
| Net income | 118,000 | 221,000 | 343,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,145,000 | 6,248,000 | 6,371,000 | 6,373,000 |
| Total capital | 6,428,000 | 6,526,000 | 6,653,000 | 6,658,000 |
| Risk-weighted assets | 22,472,000 | 22,061,000 | 22,330,000 | 22,619,000 |