Call reports 2004
BOWEN STATE BANK — 2004
What BOWEN 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 | 18,539,000 | 17,368,000 | 17,200,000 | 17,413,000 |
| Total loans | 10,009,000 | 9,902,000 | 9,860,000 | 10,578,000 |
| Allowance for loan losses | 152,000 | 95,000 | 84,000 | 78,000 |
| Securities available for sale | 6,566,000 | 6,526,000 | 6,564,000 | 5,740,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,114,000 | 14,888,000 | 14,810,000 | 15,060,000 |
| Interest-bearing deposits | 13,751,000 | 12,576,000 | 12,363,000 | 12,464,000 |
| Noninterest-bearing deposits | 2,363,000 | 2,312,000 | 2,447,000 | 2,596,000 |
| Equity capital | 2,276,000 | 2,199,000 | 2,277,000 | 2,262,000 |
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 | 223,000 | 451,000 | 669,000 | 896,000 |
| Interest expense | 49,000 | 95,000 | 140,000 | 186,000 |
| Net interest income | 174,000 | 356,000 | 529,000 | 710,000 |
| Noninterest income | 14,000 | 30,000 | 42,000 | 56,000 |
| Noninterest expense | 147,000 | 286,000 | 429,000 | 576,000 |
| Provision for loan losses | 4,000 | 4,000 | 36,000 | 76,000 |
| Pretax income | 37,000 | 96,000 | 106,000 | 114,000 |
| Income tax | 3,000 | 15,000 | 9,000 | 4,000 |
| Net income | 34,000 | 81,000 | 97,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,147,000 | 2,194,000 | 2,210,000 | 2,223,000 |
| Total capital | 2,288,000 | 2,289,000 | 2,294,000 | 2,301,000 |
| Risk-weighted assets | 10,949,000 | 11,831,000 | 11,702,000 | 11,391,000 |