Call reports 2004
STATE BANK OF WHEATON — 2004
What STATE BANK OF WHEATON 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 | 62,474,000 | 58,391,000 | 59,387,000 | 60,141,000 |
| Total loans | 47,751,000 | 48,353,000 | 49,942,000 | 50,328,000 |
| Allowance for loan losses | 1,000,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 11,371,000 | 6,791,000 | 6,582,000 | 6,444,000 |
| Securities held to maturity | 2,141,000 | 2,031,000 | 1,908,000 | 1,827,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,431,000 | 43,678,000 | 43,482,000 | 45,377,000 |
| Interest-bearing deposits | 38,632,000 | 37,830,000 | 37,921,000 | 37,874,000 |
| Noninterest-bearing deposits | 5,799,000 | 5,848,000 | 5,561,000 | 7,503,000 |
| Equity capital | 12,657,000 | 12,678,000 | 12,883,000 | 13,020,000 |
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 | 941,000 | 1,736,000 | 2,661,000 | 3,610,000 |
| Interest expense | 199,000 | 378,000 | 564,000 | 749,000 |
| Net interest income | 742,000 | 1,358,000 | 2,097,000 | 2,861,000 |
| Noninterest income | 41,000 | 105,000 | 139,000 | 182,000 |
| Noninterest expense | 388,000 | 747,000 | 1,159,000 | 1,489,000 |
| Provision for loan losses | 187,000 | 186,000 | 205,000 | 203,000 |
| Pretax income | 208,000 | 530,000 | 872,000 | 1,351,000 |
| Income tax | 0 | 0 | 1,000 | 1,000 |
| Net income | 208,000 | 530,000 | 871,000 | 1,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,230,000 | 12,416,000 | 12,623,000 | 12,829,000 |
| Total capital | 12,846,000 | 13,027,000 | 13,232,000 | 13,494,000 |
| Risk-weighted assets | 48,889,000 | 48,499,000 | 48,352,000 | 52,850,000 |