Call reports 2004
STATE BANK, THE — 2004
What STATE BANK, 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 | 98,566,000 | 97,611,000 | 102,737,000 | 102,463,000 |
| Total loans | 51,121,000 | 55,068,000 | 55,237,000 | 57,590,000 |
| Allowance for loan losses | 600,000 | 644,000 | 559,000 | 551,000 |
| Securities available for sale | 38,531,000 | 34,289,000 | 36,555,000 | 35,524,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,450,000 | 76,790,000 | 85,000,000 | 83,313,000 |
| Interest-bearing deposits | 70,324,000 | 67,381,000 | 71,844,000 | 68,912,000 |
| Noninterest-bearing deposits | 9,126,000 | 9,409,000 | 13,156,000 | 14,401,000 |
| Equity capital | 10,798,000 | 9,606,000 | 10,260,000 | 10,234,000 |
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 | 1,316,000 | 2,596,000 | 3,946,000 | 5,353,000 |
| Interest expense | 402,000 | 780,000 | 1,146,000 | 1,510,000 |
| Net interest income | 914,000 | 1,816,000 | 2,800,000 | 3,843,000 |
| Noninterest income | 164,000 | 317,000 | 508,000 | 681,000 |
| Noninterest expense | 654,000 | 1,312,000 | 2,152,000 | 2,962,000 |
| Provision for loan losses | 0 | 115,000 | 115,000 | 265,000 |
| Pretax income | 514,000 | 796,000 | 1,131,000 | 1,431,000 |
| Income tax | 21,000 | 2,000 | 16,000 | 57,000 |
| Net income | 493,000 | 794,000 | 1,115,000 | 1,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,724,000 | 8,307,000 | 8,322,000 | 8,650,000 |
| Total capital | 9,324,000 | 8,951,000 | 8,881,000 | 9,201,000 |
| Risk-weighted assets | 52,972,000 | 56,953,000 | 56,369,000 | 58,654,000 |