Call reports 2004
GUIDE ROCK STATE BANK — 2004
What GUIDE ROCK 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 | 24,695,000 | 23,550,000 | 23,325,000 | 25,670,000 |
| Total loans | 16,326,000 | 17,429,000 | 18,457,000 | 18,034,000 |
| Allowance for loan losses | 538,000 | 538,000 | 590,000 | 500,000 |
| Securities available for sale | 1,094,000 | 1,368,000 | 1,500,000 | 1,759,000 |
| Securities held to maturity | 1,708,000 | 1,689,000 | 1,507,000 | 1,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,011,000 | 20,832,000 | 20,506,000 | 22,940,000 |
| Interest-bearing deposits | 18,943,000 | 17,999,000 | 17,869,000 | 18,736,000 |
| Noninterest-bearing deposits | 3,068,000 | 2,833,000 | 2,637,000 | 4,204,000 |
| Equity capital | 2,641,000 | 2,673,000 | 2,778,000 | 2,688,000 |
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 | 343,000 | 687,000 | 1,053,000 | 1,402,000 |
| Interest expense | 99,000 | 195,000 | 285,000 | 388,000 |
| Net interest income | 244,000 | 492,000 | 768,000 | 1,014,000 |
| Noninterest income | 46,000 | 83,000 | 127,000 | 167,000 |
| Noninterest expense | 176,000 | 385,000 | 564,000 | 893,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 123,000 |
| Pretax income | 82,000 | 128,000 | 239,000 | 163,000 |
| Income tax | 3,000 | 8,000 | 15,000 | 21,000 |
| Net income | 79,000 | 120,000 | 224,000 | 142,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,635,000 | 2,687,000 | 2,791,000 | 2,708,000 |
| Total capital | 2,867,000 | 2,926,000 | 3,043,000 | 2,963,000 |
| Risk-weighted assets | 18,263,000 | 18,830,000 | 19,831,000 | 20,144,000 |