Call reports 2004
FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION — 2004
What FRANCES SLOCUM BANK AND TRUST COMPANY, NATIONAL ASSOCIATION 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 | 166,031,000 | 174,592,000 | 178,402,000 | 178,905,000 |
| Total loans | 123,535,000 | 131,100,000 | 135,942,000 | 137,378,000 |
| Allowance for loan losses | 2,289,000 | 2,292,000 | 2,338,000 | 2,210,000 |
| Securities available for sale | 18,016,000 | 19,197,000 | 18,556,000 | 17,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,635,000 | 133,730,000 | 138,714,000 | 139,527,000 |
| Interest-bearing deposits | 106,457,000 | 110,741,000 | 116,913,000 | 114,464,000 |
| Noninterest-bearing deposits | 23,179,000 | 22,988,000 | 21,801,000 | 25,064,000 |
| Equity capital | 28,667,000 | 27,152,000 | 26,966,000 | 27,039,000 |
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 | 2,220,000 | 4,486,000 | 6,865,000 | 9,235,000 |
| Interest expense | 545,000 | 1,081,000 | 1,660,000 | 2,262,000 |
| Net interest income | 1,675,000 | 3,405,000 | 5,205,000 | 6,973,000 |
| Noninterest income | 236,000 | 524,000 | 879,000 | 1,154,000 |
| Noninterest expense | 1,370,000 | 2,704,000 | 4,130,000 | 5,448,000 |
| Provision for loan losses | 150,000 | 225,000 | 270,000 | 300,000 |
| Pretax income | 391,000 | 1,000,000 | 1,684,000 | 2,379,000 |
| Income tax | 135,000 | 355,000 | 609,000 | 871,000 |
| Net income | 256,000 | 645,000 | 1,075,000 | 1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,847,000 | 15,885,000 | 15,550,000 | 15,793,000 |
| Total capital | 18,366,000 | 17,485,000 | 17,207,000 | 17,491,000 |
| Risk-weighted assets | 120,782,000 | 127,280,000 | 131,855,000 | 135,311,000 |
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