Call reports 2004
LINDALE STATE BANK — 2004
What LINDALE 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 | 73,164,000 | 73,015,000 | 74,835,000 | 78,056,000 |
| Total loans | 43,665,000 | 45,348,000 | 47,054,000 | 48,074,000 |
| Allowance for loan losses | 765,000 | 767,000 | 782,000 | 768,000 |
| Securities available for sale | 16,704,000 | 16,563,000 | 15,533,000 | 16,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,571,000 | 65,454,000 | 66,908,000 | 70,035,000 |
| Interest-bearing deposits | 49,123,000 | 47,875,000 | 47,402,000 | 53,400,000 |
| Noninterest-bearing deposits | 16,448,000 | 17,579,000 | 19,506,000 | 16,635,000 |
| Equity capital | 7,380,000 | 7,438,000 | 7,686,000 | 7,819,000 |
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 | 728,000 | 1,473,000 | 2,254,000 | 3,065,000 |
| Interest expense | 132,000 | 265,000 | 404,000 | 574,000 |
| Net interest income | 596,000 | 1,208,000 | 1,850,000 | 2,491,000 |
| Noninterest income | 196,000 | 444,000 | 648,000 | 816,000 |
| Noninterest expense | 523,000 | 1,028,000 | 1,569,000 | 2,084,000 |
| Provision for loan losses | 30,000 | 60,000 | 91,000 | 120,000 |
| Pretax income | 239,000 | 564,000 | 838,000 | 1,103,000 |
| Income tax | 81,000 | 192,000 | 282,000 | 373,000 |
| Net income | 158,000 | 372,000 | 556,000 | 730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,319,000 | 7,509,000 | 7,693,000 | 7,868,000 |
| Total capital | 7,982,000 | 8,153,000 | 8,332,000 | 8,544,000 |
| Risk-weighted assets | 52,970,000 | 51,455,000 | 50,980,000 | 53,989,000 |