Call reports 2004
WELCH STATE BANK OF WELCH, OKLA. — 2004
What WELCH STATE BANK OF WELCH, OKLA. 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 | 122,257,000 | 127,228,000 | 128,356,000 | 129,313,000 |
| Total loans | 93,075,000 | 96,790,000 | 100,029,000 | 98,783,000 |
| Allowance for loan losses | 1,534,000 | 1,553,000 | 1,569,000 | 1,640,000 |
| Securities available for sale | 20,335,000 | 20,530,000 | 20,436,000 | 20,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,844,000 | 97,868,000 | 96,642,000 | 99,091,000 |
| Interest-bearing deposits | 89,222,000 | 94,195,000 | 93,116,000 | 95,193,000 |
| Noninterest-bearing deposits | 3,622,000 | 3,673,000 | 3,526,000 | 3,898,000 |
| Equity capital | 9,954,000 | 9,510,000 | 10,493,000 | 10,205,000 |
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 | 1,970,000 | 3,999,000 | 6,111,000 | 8,298,000 |
| Interest expense | 714,000 | 1,425,000 | 2,165,000 | 2,927,000 |
| Net interest income | 1,256,000 | 2,574,000 | 3,946,000 | 5,371,000 |
| Noninterest income | 184,000 | 410,000 | 638,000 | 893,000 |
| Noninterest expense | 858,000 | 1,773,000 | 2,700,000 | 3,619,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 507,000 | 1,069,000 | 1,667,000 | 2,352,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 507,000 | 1,069,000 | 1,667,000 | 2,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,590,000 | 9,839,000 | 10,277,000 | 10,035,000 |
| Total capital | 10,761,000 | 11,068,000 | 11,534,000 | 11,278,000 |
| Risk-weighted assets | 93,299,000 | 98,016,000 | 100,261,000 | 99,081,000 |