Call reports 2004
STATE BANK OF ARCADIA — 2004
What STATE BANK OF ARCADIA 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 | 95,151,000 | 94,375,000 | 95,147,000 | 99,659,000 |
| Total loans | 45,933,000 | 46,447,000 | 47,974,000 | 49,080,000 |
| Allowance for loan losses | 608,000 | 612,000 | 620,000 | 621,000 |
| Securities available for sale | 19,812,000 | 25,276,000 | 25,141,000 | 24,555,000 |
| Securities held to maturity | 7,039,000 | 5,720,000 | 5,591,000 | 5,436,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,662,000 | 85,270,000 | 85,715,000 | 90,360,000 |
| Interest-bearing deposits | 73,289,000 | 73,036,000 | 72,903,000 | 74,003,000 |
| Noninterest-bearing deposits | 12,373,000 | 12,234,000 | 12,812,000 | 16,357,000 |
| Equity capital | 9,282,000 | 8,882,000 | 9,207,000 | 9,080,000 |
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 | 1,050,000 | 2,072,000 | 3,096,000 | 4,151,000 |
| Interest expense | 383,000 | 758,000 | 1,136,000 | 1,527,000 |
| Net interest income | 667,000 | 1,314,000 | 1,960,000 | 2,624,000 |
| Noninterest income | 55,000 | 90,000 | 128,000 | 163,000 |
| Noninterest expense | 418,000 | 833,000 | 1,251,000 | 1,820,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 18,000 |
| Pretax income | 302,000 | 563,000 | 823,000 | 953,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 18,000 |
| Net income | 298,000 | 555,000 | 810,000 | 935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,974,000 | 9,015,000 | 9,126,000 | 9,155,000 |
| Total capital | 9,507,000 | 9,545,000 | 9,666,000 | 9,711,000 |
| Risk-weighted assets | 42,589,000 | 42,539,000 | 43,086,000 | 44,404,000 |