Call reports 2004
STROUD NATIONAL BANK — 2004
What STROUD 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 | 40,455,000 | 40,323,000 | 40,942,000 | 41,647,000 |
| Total loans | 23,344,000 | 24,386,000 | 24,930,000 | 26,003,000 |
| Allowance for loan losses | 234,000 | 243,000 | 249,000 | 257,000 |
| Securities available for sale | 13,339,000 | 12,263,000 | 12,330,000 | 11,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,104,000 | 34,399,000 | 34,577,000 | 34,921,000 |
| Interest-bearing deposits | 28,439,000 | 28,960,000 | 29,206,000 | 29,529,000 |
| Noninterest-bearing deposits | 5,665,000 | 5,439,000 | 5,371,000 | 5,392,000 |
| Equity capital | 4,552,000 | 4,278,000 | 4,498,000 | 4,406,000 |
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 | 563,000 | 1,167,000 | 1,823,000 | 2,455,000 |
| Interest expense | 105,000 | 211,000 | 312,000 | 424,000 |
| Net interest income | 458,000 | 956,000 | 1,511,000 | 2,031,000 |
| Noninterest income | 114,000 | 237,000 | 369,000 | 497,000 |
| Noninterest expense | 459,000 | 908,000 | 1,398,000 | 1,881,000 |
| Provision for loan losses | 28,000 | 39,000 | 46,000 | 49,000 |
| Pretax income | 85,000 | 246,000 | 441,000 | 603,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 85,000 | 246,000 | 441,000 | 603,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,394,000 | 4,410,000 | 4,457,000 | 4,409,000 |
| Total capital | 4,628,000 | 4,653,000 | 4,706,000 | 4,666,000 |
| Risk-weighted assets | 24,242,000 | 25,522,000 | 25,295,000 | 26,937,000 |