Call reports 2004
BIPPUS STATE BANK, THE — 2004
What BIPPUS STATE BANK, THE 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 | 87,145,000 | 89,199,000 | 93,337,000 | 92,368,000 |
| Total loans | 57,461,000 | 63,083,000 | 68,187,000 | 67,087,000 |
| Allowance for loan losses | 492,000 | 512,000 | 531,000 | 563,000 |
| Securities available for sale | 22,056,000 | 19,567,000 | 17,478,000 | 17,342,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,552,000 | 66,739,000 | 70,248,000 | 71,099,000 |
| Interest-bearing deposits | 63,581,000 | 60,071,000 | 63,300,000 | 63,158,000 |
| Noninterest-bearing deposits | 5,971,000 | 6,668,000 | 6,948,000 | 7,941,000 |
| Equity capital | 7,589,000 | 7,234,000 | 7,624,000 | 7,835,000 |
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 | 1,048,000 | 2,129,000 | 3,278,000 | 4,500,000 |
| Interest expense | 383,000 | 731,000 | 1,091,000 | 1,470,000 |
| Net interest income | 665,000 | 1,398,000 | 2,187,000 | 3,030,000 |
| Noninterest income | 214,000 | 425,000 | 601,000 | 944,000 |
| Noninterest expense | 725,000 | 1,419,000 | 2,193,000 | 2,983,000 |
| Provision for loan losses | 20,000 | 39,000 | 63,000 | 94,000 |
| Pretax income | 179,000 | 430,000 | 630,000 | 1,000,000 |
| Income tax | 24,000 | 81,000 | 120,000 | 230,000 |
| Net income | 155,000 | 349,000 | 510,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,220,000 | 7,338,000 | 7,521,000 | 7,753,000 |
| Total capital | 7,712,000 | 7,850,000 | 8,052,000 | 8,316,000 |
| Risk-weighted assets | 64,018,000 | 69,347,000 | 73,758,000 | 72,691,000 |