Call reports 2004
NORTHEAST MISSOURI STATE BANK — 2004
What NORTHEAST MISSOURI 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 | 23,782,000 | 24,045,000 | 24,891,000 | 25,011,000 |
| Total loans | 9,839,000 | 10,291,000 | 10,990,000 | 11,087,000 |
| Allowance for loan losses | 198,000 | 191,000 | 191,000 | 195,000 |
| Securities available for sale | 12,165,000 | 12,062,000 | 12,257,000 | 11,473,000 |
| Securities held to maturity | 141,000 | 140,000 | 140,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,511,000 | 21,027,000 | 21,570,000 | 21,792,000 |
| Interest-bearing deposits | 16,714,000 | 17,140,000 | 17,863,000 | 17,429,000 |
| Noninterest-bearing deposits | 3,797,000 | 3,887,000 | 3,707,000 | 4,363,000 |
| Equity capital | 3,046,000 | 2,905,000 | 3,109,000 | 3,010,000 |
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 | 273,000 | 556,000 | 854,000 | 1,160,000 |
| Interest expense | 74,000 | 142,000 | 213,000 | 288,000 |
| Net interest income | 199,000 | 414,000 | 641,000 | 872,000 |
| Noninterest income | 49,000 | 100,000 | 149,000 | 199,000 |
| Noninterest expense | 152,000 | 306,000 | 461,000 | 622,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 96,000 | 208,000 | 329,000 | 431,000 |
| Income tax | 18,000 | 44,000 | 74,000 | 97,000 |
| Net income | 78,000 | 164,000 | 255,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,918,000 | 2,963,000 | 3,055,000 | 2,984,000 |
| Total capital | 3,064,000 | 3,115,000 | 3,214,000 | 3,141,000 |
| Risk-weighted assets | 11,639,000 | 12,127,000 | 12,703,000 | 12,526,000 |