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 | 72,620,000 | 76,111,000 | 79,794,000 | 81,997,000 |
| Total loans | 50,761,000 | 51,975,000 | 52,408,000 | 53,376,000 |
| Allowance for loan losses | 525,000 | 529,000 | 517,000 | 538,000 |
| Securities available for sale | 11,522,000 | 12,745,000 | 16,129,000 | 15,885,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,645,000 | 62,023,000 | 64,615,000 | 67,139,000 |
| Interest-bearing deposits | 52,140,000 | 52,885,000 | 58,156,000 | 59,927,000 |
| Noninterest-bearing deposits | 6,505,000 | 9,138,000 | 6,459,000 | 7,212,000 |
| Equity capital | 7,438,000 | 7,536,000 | 7,812,000 | 7,622,000 |
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 | 894,000 | 1,770,000 | 2,702,000 | 3,663,000 |
| Interest expense | 350,000 | 688,000 | 1,036,000 | 1,416,000 |
| Net interest income | 544,000 | 1,082,000 | 1,666,000 | 2,247,000 |
| Noninterest income | 101,000 | 465,000 | 569,000 | 676,000 |
| Noninterest expense | 389,000 | 850,000 | 1,303,000 | 2,095,000 |
| Provision for loan losses | 24,000 | 27,000 | 42,000 | 45,000 |
| Pretax income | 232,000 | 670,000 | 890,000 | 783,000 |
| Income tax | 61,000 | 202,000 | 257,000 | 192,000 |
| Net income | 171,000 | 468,000 | 633,000 | 591,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,281,000 | 7,578,000 | 7,744,000 | 7,605,000 |
| Total capital | 7,806,000 | 8,107,000 | 8,261,000 | 8,143,000 |
| Risk-weighted assets | 46,490,000 | 49,888,000 | 50,965,000 | 52,380,000 |