Call reports 2004
SUPERIOR NATIONAL BANK — 2004
What SUPERIOR NATIONAL 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 | 298,613,000 | 291,535,000 | 301,623,000 | 297,343,000 |
| Total loans | 177,698,000 | 182,809,000 | 190,147,000 | 193,048,000 |
| Allowance for loan losses | 2,438,000 | 2,486,000 | 2,536,000 | 2,626,000 |
| Securities available for sale | 92,254,000 | 89,355,000 | 89,940,000 | 86,826,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 273,819,000 | 268,275,000 | 276,430,000 | 271,744,000 |
| Interest-bearing deposits | 249,745,000 | 240,688,000 | 246,164,000 | 241,594,000 |
| Noninterest-bearing deposits | 24,074,000 | 27,587,000 | 30,266,000 | 30,150,000 |
| Equity capital | 22,911,000 | 22,313,000 | 23,821,000 | 24,214,000 |
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 | 3,719,000 | 7,555,000 | 11,480,000 | 15,447,000 |
| Interest expense | 1,231,000 | 2,431,000 | 3,645,000 | 4,892,000 |
| Net interest income | 2,488,000 | 5,124,000 | 7,835,000 | 10,555,000 |
| Noninterest income | 526,000 | 1,010,000 | 1,494,000 | 1,970,000 |
| Noninterest expense | 1,744,000 | 3,478,000 | 5,233,000 | 7,068,000 |
| Provision for loan losses | 108,000 | 216,000 | 309,000 | 440,000 |
| Pretax income | 1,192,000 | 2,507,000 | 3,858,000 | 5,090,000 |
| Income tax | 334,000 | 696,000 | 1,070,000 | 1,431,000 |
| Net income | 858,000 | 1,811,000 | 2,788,000 | 3,659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,856,000 | 22,681,000 | 23,522,000 | 24,233,000 |
| Total capital | 24,099,000 | 24,958,000 | 25,876,000 | 26,592,000 |
| Risk-weighted assets | 179,261,000 | 181,912,000 | 188,122,000 | 188,459,000 |