Call reports 2004
CITY STATE BANK OF PALACIOS, THE — 2004
What CITY STATE BANK OF PALACIOS, 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 | 39,454,000 | 41,452,000 | 42,013,000 | 42,550,000 |
| Total loans | 24,898,000 | 27,866,000 | 27,599,000 | 25,327,000 |
| Allowance for loan losses | 394,000 | 390,000 | 399,000 | 399,000 |
| Securities available for sale | 11,617,000 | 11,392,000 | 10,407,000 | 12,514,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,962,000 | 34,427,000 | 37,387,000 | 38,078,000 |
| Interest-bearing deposits | 27,547,000 | 27,133,000 | 27,415,000 | 28,329,000 |
| Noninterest-bearing deposits | 7,415,000 | 7,294,000 | 9,972,000 | 9,749,000 |
| Equity capital | 4,125,000 | 4,046,000 | 4,177,000 | 4,128,000 |
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 | 485,000 | 1,004,000 | 1,570,000 | 2,126,000 |
| Interest expense | 94,000 | 186,000 | 280,000 | 377,000 |
| Net interest income | 391,000 | 818,000 | 1,290,000 | 1,749,000 |
| Noninterest income | 92,000 | 196,000 | 282,000 | 363,000 |
| Noninterest expense | 439,000 | 894,000 | 1,323,000 | 1,735,000 |
| Provision for loan losses | 0 | 0 | 5,000 | 22,000 |
| Pretax income | 44,000 | 120,000 | 244,000 | 350,000 |
| Income tax | 15,000 | 41,000 | 83,000 | 119,000 |
| Net income | 29,000 | 79,000 | 161,000 | 231,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,077,000 | 4,107,000 | 4,189,000 | 4,194,000 |
| Total capital | 4,311,000 | 4,368,000 | 4,443,000 | 4,452,000 |
| Risk-weighted assets | 18,809,000 | 20,777,000 | 19,985,000 | 20,529,000 |