Call reports 2004
STONE CITY BANK OF BEDFORD, INDIANA — 2004
What STONE CITY BANK OF BEDFORD, INDIANA 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 | 57,846,000 | 58,138,000 | 58,972,000 | 59,464,000 |
| Total loans | 40,180,000 | 42,266,000 | 43,445,000 | 42,145,000 |
| Allowance for loan losses | 446,000 | 505,000 | 492,000 | 511,000 |
| Securities available for sale | 9,742,000 | 7,886,000 | 7,577,000 | 7,117,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,984,000 | 46,619,000 | 47,309,000 | 46,886,000 |
| Interest-bearing deposits | 38,764,000 | 38,712,000 | 38,427,000 | 37,437,000 |
| Noninterest-bearing deposits | 7,220,000 | 7,907,000 | 8,882,000 | 9,449,000 |
| Equity capital | 5,247,000 | 4,993,000 | 5,109,000 | 5,090,000 |
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 | 751,000 | 1,544,000 | 2,336,000 | 3,171,000 |
| Interest expense | 163,000 | 346,000 | 532,000 | 720,000 |
| Net interest income | 588,000 | 1,198,000 | 1,804,000 | 2,451,000 |
| Noninterest income | 109,000 | 257,000 | 367,000 | 536,000 |
| Noninterest expense | 619,000 | 1,286,000 | 1,916,000 | 2,587,000 |
| Provision for loan losses | 6,000 | 119,000 | 119,000 | 179,000 |
| Pretax income | 78,000 | 66,000 | 152,000 | 268,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 78,000 | 66,000 | 152,000 | 268,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,911,000 | 4,838,000 | 4,910,000 | 4,982,000 |
| Total capital | 5,357,000 | 5,343,000 | 5,402,000 | 5,493,000 |
| Risk-weighted assets | 42,401,000 | 43,761,000 | 44,223,000 | 43,511,000 |