Call reports 2004
ST. JOSEPH CAPITAL BANK — 2004
What ST. JOSEPH CAPITAL 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 | 305,331,000 | 312,648,000 | 338,751,000 | 397,628,000 |
| Total loans | 229,274,000 | 244,293,000 | 265,102,000 | 281,999,000 |
| Allowance for loan losses | 3,361,000 | 3,445,000 | 3,540,000 | 3,578,000 |
| Securities available for sale | 50,515,000 | 48,170,000 | 48,204,000 | 58,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,732,000 | 210,247,000 | 255,925,000 | 313,853,000 |
| Interest-bearing deposits | 194,306,000 | 195,535,000 | 237,057,000 | 272,778,000 |
| Noninterest-bearing deposits | 16,426,000 | 14,712,000 | 18,868,000 | 41,075,000 |
| Equity capital | 26,250,000 | 25,920,000 | 27,162,000 | 27,857,000 |
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 | 3,342,000 | 6,772,000 | 10,535,000 | 14,755,000 |
| Interest expense | 1,147,000 | 2,259,000 | 3,536,000 | 5,171,000 |
| Net interest income | 2,195,000 | 4,513,000 | 6,999,000 | 9,584,000 |
| Noninterest income | 130,000 | 265,000 | 403,000 | 623,000 |
| Noninterest expense | 1,474,000 | 2,877,000 | 4,310,000 | 5,827,000 |
| Provision for loan losses | 44,000 | 128,000 | 223,000 | 261,000 |
| Pretax income | 880,000 | 1,846,000 | 2,971,000 | 4,221,000 |
| Income tax | 321,000 | 668,000 | 1,074,000 | 1,491,000 |
| Net income | 559,000 | 1,178,000 | 1,897,000 | 2,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,774,000 | 26,393,000 | 27,111,000 | 27,945,000 |
| Total capital | 28,729,000 | 29,595,000 | 30,632,000 | 31,523,000 |
| Risk-weighted assets | 235,961,000 | 255,880,000 | 281,659,000 | 298,080,000 |