Call reports 2004
RNB STATE BANK — 2004
What RNB 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 | 121,328,000 | 117,159,000 | 121,236,000 | 125,739,000 |
| Total loans | 75,698,000 | 80,792,000 | 87,656,000 | 92,400,000 |
| Allowance for loan losses | 917,000 | 912,000 | 907,000 | 908,000 |
| Securities available for sale | 31,168,000 | 27,754,000 | 25,726,000 | 25,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,478,000 | 102,634,000 | 102,528,000 | 101,282,000 |
| Interest-bearing deposits | 96,239,000 | 92,318,000 | 91,678,000 | 90,763,000 |
| Noninterest-bearing deposits | 10,239,000 | 10,316,000 | 10,850,000 | 10,519,000 |
| Equity capital | 12,063,000 | 11,896,000 | 12,258,000 | 12,031,000 |
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 | 1,591,000 | 3,175,000 | 4,799,000 | 6,532,000 |
| Interest expense | 300,000 | 575,000 | 834,000 | 1,121,000 |
| Net interest income | 1,291,000 | 2,600,000 | 3,965,000 | 5,411,000 |
| Noninterest income | 178,000 | 381,000 | 585,000 | 809,000 |
| Noninterest expense | 1,035,000 | 2,066,000 | 3,113,000 | 4,129,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 434,000 | 915,000 | 1,437,000 | 2,091,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 434,000 | 910,000 | 1,432,000 | 2,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,707,000 | 11,983,000 | 12,105,000 | 11,958,000 |
| Total capital | 12,624,000 | 12,895,000 | 13,012,000 | 12,866,000 |
| Risk-weighted assets | 88,570,000 | 91,931,000 | 98,675,000 | 102,820,000 |