Call reports 2004
STATE BANK OF CHANDLER — 2004
What STATE BANK OF CHANDLER 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 | 28,941,000 | 28,086,000 | 28,740,000 | 30,215,000 |
| Total loans | 16,798,000 | 16,880,000 | 17,266,000 | 17,446,000 |
| Allowance for loan losses | 359,000 | 368,000 | 375,000 | 370,000 |
| Securities available for sale | 9,360,000 | 9,012,000 | 9,517,000 | 9,459,000 |
| Securities held to maturity | 267,000 | 250,000 | 245,000 | 452,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,988,000 | 24,327,000 | 24,718,000 | 26,196,000 |
| Interest-bearing deposits | 20,702,000 | 20,825,000 | 21,084,000 | 20,466,000 |
| Noninterest-bearing deposits | 4,287,000 | 3,503,000 | 3,634,000 | 5,730,000 |
| Equity capital | 3,396,000 | 3,338,000 | 3,528,000 | 3,544,000 |
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 | 383,000 | 756,000 | 1,134,000 | 1,521,000 |
| Interest expense | 99,000 | 196,000 | 295,000 | 395,000 |
| Net interest income | 284,000 | 560,000 | 839,000 | 1,126,000 |
| Noninterest income | 30,000 | 64,000 | 95,000 | 127,000 |
| Noninterest expense | 159,000 | 317,000 | 471,000 | 711,000 |
| Provision for loan losses | 35,000 | 39,000 | 43,000 | 49,000 |
| Pretax income | 120,000 | 268,000 | 420,000 | 493,000 |
| Income tax | 38,000 | 80,000 | 123,000 | 141,000 |
| Net income | 82,000 | 188,000 | 297,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,247,000 | 3,354,000 | 3,463,000 | 3,518,000 |
| Total capital | 3,476,000 | 3,583,000 | 3,698,000 | 3,757,000 |
| Risk-weighted assets | 18,224,000 | 18,169,000 | 18,691,000 | 18,983,000 |