Call reports 2004
ALMENA STATE BANK — 2004
What ALMENA 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 | 11,753,000 | 11,893,000 | 12,718,000 | 12,576,000 |
| Total loans | 9,288,000 | 9,790,000 | 10,432,000 | 9,963,000 |
| Allowance for loan losses | 120,000 | 123,000 | 124,000 | 82,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 604,000 | 603,000 | 667,000 | 815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,850,000 | 10,807,000 | 11,609,000 | 11,659,000 |
| Interest-bearing deposits | 9,226,000 | 9,200,000 | 9,662,000 | 9,595,000 |
| Noninterest-bearing deposits | 1,624,000 | 1,607,000 | 1,948,000 | 2,064,000 |
| Equity capital | 876,000 | 906,000 | 935,000 | 893,000 |
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 | 228,000 | 442,000 | 656,000 | 872,000 |
| Interest expense | 32,000 | 63,000 | 98,000 | 133,000 |
| Net interest income | 196,000 | 379,000 | 558,000 | 739,000 |
| Noninterest income | 33,000 | 72,000 | 156,000 | 211,000 |
| Noninterest expense | 204,000 | 394,000 | 585,000 | 785,000 |
| Provision for loan losses | 0 | 0 | 0 | 28,000 |
| Pretax income | 25,000 | 57,000 | 129,000 | 137,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 25,000 | 56,000 | 128,000 | 136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 855,000 | 885,000 | 914,000 | 873,000 |
| Total capital | 971,000 | 1,006,000 | 1,038,000 | 955,000 |
| Risk-weighted assets | 9,315,000 | 9,686,000 | 10,993,000 | 10,037,000 |