Call reports 2004
STOCK EXCHANGE BANK, THE — 2004
What STOCK EXCHANGE 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 | 121,756,000 | 126,038,000 | 123,955,000 | 128,972,000 |
| Total loans | 46,533,000 | 46,106,000 | 45,689,000 | 48,042,000 |
| Allowance for loan losses | 798,000 | 839,000 | 841,000 | 623,000 |
| Securities available for sale | 29,872,000 | 34,298,000 | 36,797,000 | 39,739,000 |
| Securities held to maturity | 26,129,000 | 24,469,000 | 24,218,000 | 23,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,825,000 | 106,340,000 | 103,553,000 | 110,264,000 |
| Interest-bearing deposits | 86,975,000 | 91,023,000 | 88,262,000 | 92,738,000 |
| Noninterest-bearing deposits | 14,850,000 | 15,317,000 | 15,291,000 | 17,526,000 |
| Equity capital | 19,329,000 | 19,227,000 | 19,846,000 | 18,352,000 |
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 | 1,278,000 | 2,590,000 | 3,915,000 | 5,309,000 |
| Interest expense | 222,000 | 436,000 | 646,000 | 852,000 |
| Net interest income | 1,056,000 | 2,154,000 | 3,269,000 | 4,457,000 |
| Noninterest income | 290,000 | 644,000 | 1,002,000 | 1,334,000 |
| Noninterest expense | 900,000 | 1,786,000 | 2,718,000 | 3,709,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 431,000 | 982,000 | 1,510,000 | 2,029,000 |
| Income tax | 113,000 | 254,000 | 404,000 | 526,000 |
| Net income | 318,000 | 728,000 | 1,106,000 | 1,503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,767,000 | 19,177,000 | 19,555,000 | 18,252,000 |
| Total capital | 19,536,000 | 19,956,000 | 20,321,000 | 18,875,000 |
| Risk-weighted assets | 61,460,000 | 62,269,000 | 61,218,000 | 64,036,000 |