Call reports 2004
S&C BANK — 2004
What S&C 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 | 344,364,000 | 358,570,000 | 369,219,000 | 375,457,000 |
| Total loans | 246,356,000 | 261,689,000 | 274,263,000 | 283,133,000 |
| Allowance for loan losses | 5,003,000 | 4,708,000 | 4,673,000 | 4,889,000 |
| Securities available for sale | 71,671,000 | 66,779,000 | 64,965,000 | 59,573,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,007,000 | 283,071,000 | 305,851,000 | 315,098,000 |
| Interest-bearing deposits | 234,446,000 | 228,826,000 | 247,579,000 | 249,693,000 |
| Noninterest-bearing deposits | 50,561,000 | 54,245,000 | 58,272,000 | 65,405,000 |
| Equity capital | 38,390,000 | 38,737,000 | 40,084,000 | 40,274,000 |
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 | 4,750,000 | 9,680,000 | 14,747,000 | 19,881,000 |
| Interest expense | 1,161,000 | 2,300,000 | 3,535,000 | 4,846,000 |
| Net interest income | 3,589,000 | 7,380,000 | 11,212,000 | 15,035,000 |
| Noninterest income | 1,348,000 | 2,945,000 | 4,312,000 | 5,962,000 |
| Noninterest expense | 3,385,000 | 6,940,000 | 10,625,000 | 14,089,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 1,402,000 | 3,085,000 | 4,455,000 | 6,314,000 |
| Income tax | 394,000 | 912,000 | 1,265,000 | 1,799,000 |
| Net income | 1,008,000 | 2,173,000 | 3,190,000 | 4,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,960,000 | 34,106,000 | 35,120,000 | 35,519,000 |
| Total capital | 36,181,000 | 37,533,000 | 38,713,000 | 39,182,000 |
| Risk-weighted assets | 255,926,000 | 272,906,000 | 286,395,000 | 291,829,000 |