Call reports 2004
STATE BANK — 2004
What 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 | 196,676,000 | 196,968,000 | 202,011,000 | 205,328,000 |
| Total loans | 106,642,000 | 114,579,000 | 118,070,000 | 118,591,000 |
| Allowance for loan losses | 1,531,000 | 1,574,000 | 1,591,000 | 1,613,000 |
| Securities available for sale | 34,869,000 | 34,080,000 | 36,744,000 | 36,072,000 |
| Securities held to maturity | 26,687,000 | 26,926,000 | 25,247,000 | 26,032,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,495,000 | 170,118,000 | 174,055,000 | 177,624,000 |
| Interest-bearing deposits | 136,507,000 | 136,777,000 | 141,553,000 | 145,141,000 |
| Noninterest-bearing deposits | 32,989,000 | 33,341,000 | 32,502,000 | 32,483,000 |
| Equity capital | 26,438,000 | 25,940,000 | 26,876,000 | 26,968,000 |
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 | 2,166,000 | 4,355,000 | 6,659,000 | 9,049,000 |
| Interest expense | 474,000 | 908,000 | 1,351,000 | 1,818,000 |
| Net interest income | 1,692,000 | 3,447,000 | 5,308,000 | 7,231,000 |
| Noninterest income | 317,000 | 674,000 | 1,105,000 | 1,630,000 |
| Noninterest expense | 1,452,000 | 2,934,000 | 4,441,000 | 6,021,000 |
| Provision for loan losses | 40,000 | 71,000 | 107,000 | 148,000 |
| Pretax income | 557,000 | 1,156,000 | 1,905,000 | 2,732,000 |
| Income tax | 109,000 | 244,000 | 421,000 | 619,000 |
| Net income | 448,000 | 912,000 | 1,484,000 | 2,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,109,000 | 26,193,000 | 26,766,000 | 26,999,000 |
| Total capital | 27,594,000 | 27,767,000 | 28,357,000 | 28,612,000 |
| Risk-weighted assets | 118,631,000 | 129,249,000 | 135,734,000 | 134,183,000 |