Call reports 2004
SMALL TOWN BANK — 2004
What SMALL TOWN 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 | 153,151,000 | 159,868,000 | 163,106,000 | 163,889,000 |
| Total loans | 92,009,000 | 97,336,000 | 100,829,000 | 102,856,000 |
| Allowance for loan losses | 928,000 | 982,000 | 1,008,000 | 1,137,000 |
| Securities available for sale | 17,849,000 | 47,731,000 | 47,818,000 | 48,754,000 |
| Securities held to maturity | 30,772,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,398,000 | 129,995,000 | 130,491,000 | 130,616,000 |
| Interest-bearing deposits | 114,622,000 | 119,790,000 | 120,018,000 | 120,834,000 |
| Noninterest-bearing deposits | 9,776,000 | 10,205,000 | 10,473,000 | 9,782,000 |
| Equity capital | 14,789,000 | 14,180,000 | 16,123,000 | 16,709,000 |
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 | 2,473,000 | 5,035,000 | 7,717,000 | 10,461,000 |
| Interest expense | 914,000 | 1,820,000 | 2,781,000 | 3,729,000 |
| Net interest income | 1,559,000 | 3,215,000 | 4,936,000 | 6,732,000 |
| Noninterest income | 234,000 | 499,000 | 986,000 | 1,201,000 |
| Noninterest expense | 764,000 | 1,528,000 | 2,380,000 | 3,234,000 |
| Provision for loan losses | 80,000 | 165,000 | 265,000 | 445,000 |
| Pretax income | 935,000 | 2,010,000 | 3,033,000 | 4,010,000 |
| Income tax | 232,000 | 494,000 | 820,000 | 1,069,000 |
| Net income | 703,000 | 1,516,000 | 2,213,000 | 2,941,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,694,000 | 12,473,000 | 13,197,000 | 13,886,000 |
| Total capital | 12,622,000 | 13,455,000 | 14,205,000 | 15,023,000 |
| Risk-weighted assets | 99,376,000 | 109,442,000 | 109,975,000 | 110,850,000 |