Call reports 2004
SCHWERTNER STATE BANK — 2004
What SCHWERTNER 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 | 20,343,000 | 19,645,000 | 18,883,000 | 19,097,000 |
| Total loans | 7,476,000 | 7,337,000 | 7,416,000 | 8,342,000 |
| Allowance for loan losses | 129,000 | 129,000 | 125,000 | 99,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,510,000 | 4,009,000 | 4,007,000 | 4,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,432,000 | 16,672,000 | 15,852,000 | 16,027,000 |
| Interest-bearing deposits | 12,997,000 | 11,037,000 | 11,655,000 | 11,536,000 |
| Noninterest-bearing deposits | 4,435,000 | 5,635,000 | 4,197,000 | 4,490,000 |
| Equity capital | 2,839,000 | 2,912,000 | 2,979,000 | 2,941,000 |
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 | 173,000 | 358,000 | 553,000 | 759,000 |
| Interest expense | 39,000 | 75,000 | 109,000 | 142,000 |
| Net interest income | 134,000 | 283,000 | 444,000 | 617,000 |
| Noninterest income | 21,000 | 62,000 | 81,000 | 97,000 |
| Noninterest expense | 107,000 | 220,000 | 322,000 | 483,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 48,000 | 125,000 | 203,000 | 219,000 |
| Income tax | 2,000 | 6,000 | 19,000 | 72,000 |
| Net income | 46,000 | 119,000 | 184,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,839,000 | 2,912,000 | 2,979,000 | 2,941,000 |
| Total capital | 2,962,000 | 3,027,000 | 3,104,000 | 3,040,000 |
| Risk-weighted assets | 10,328,000 | 9,182,000 | 10,029,000 | 10,816,000 |