Call reports 2004
SCOTT COUNTY STATE BANK, THE — 2004
What SCOTT COUNTY STATE BANK, THE 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 | 111,681,000 | 123,213,000 | 129,213,000 | 128,009,000 |
| Total loans | 89,659,000 | 90,573,000 | 91,205,000 | 91,234,000 |
| Allowance for loan losses | 748,000 | 752,000 | 761,000 | 751,000 |
| Securities available for sale | 6,533,000 | 8,994,000 | 9,970,000 | 9,443,000 |
| Securities held to maturity | 7,252,000 | 11,716,000 | 10,726,000 | 10,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,260,000 | 97,648,000 | 103,539,000 | 102,261,000 |
| Interest-bearing deposits | 74,441,000 | 77,632,000 | 82,053,000 | 79,613,000 |
| Noninterest-bearing deposits | 19,819,000 | 20,016,000 | 21,486,000 | 22,648,000 |
| Equity capital | 12,932,000 | 13,099,000 | 13,372,000 | 13,161,000 |
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 | 1,554,000 | 3,083,000 | 4,673,000 | 6,337,000 |
| Interest expense | 389,000 | 804,000 | 1,246,000 | 1,722,000 |
| Net interest income | 1,165,000 | 2,279,000 | 3,427,000 | 4,615,000 |
| Noninterest income | 177,000 | 363,000 | 532,000 | 691,000 |
| Noninterest expense | 822,000 | 1,597,000 | 2,470,000 | 3,298,000 |
| Provision for loan losses | 12,000 | 24,000 | 36,000 | 36,000 |
| Pretax income | 508,000 | 1,021,000 | 1,453,000 | 1,972,000 |
| Income tax | 179,000 | 357,000 | 509,000 | 693,000 |
| Net income | 329,000 | 664,000 | 944,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,928,000 | 13,098,000 | 13,377,000 | 13,179,000 |
| Total capital | 13,676,000 | 13,850,000 | 14,138,000 | 13,930,000 |
| Risk-weighted assets | 70,482,000 | 73,489,000 | 75,507,000 | 74,316,000 |