Call reports 2004
22ND STATE BANKING COMPANY — 2004
What 22ND STATE BANKING COMPANY 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 | 59,589,000 | 61,677,000 | 66,092,000 | 64,438,000 |
| Total loans | 38,207,000 | 45,160,000 | 48,068,000 | 52,028,000 |
| Allowance for loan losses | 654,000 | 607,000 | 609,000 | 613,000 |
| Securities available for sale | 12,538,000 | 11,808,000 | 8,568,000 | 8,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,705,000 | 56,826,000 | 60,522,000 | 58,892,000 |
| Interest-bearing deposits | 50,333,000 | 52,488,000 | 56,573,000 | 54,332,000 |
| Noninterest-bearing deposits | 4,372,000 | 4,338,000 | 3,949,000 | 4,560,000 |
| Equity capital | 4,646,000 | 4,529,000 | 5,066,000 | 5,187,000 |
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 | 751,000 | 1,559,000 | 2,479,000 | 3,460,000 |
| Interest expense | 229,000 | 489,000 | 779,000 | 1,083,000 |
| Net interest income | 522,000 | 1,070,000 | 1,700,000 | 2,377,000 |
| Noninterest income | 27,000 | 95,000 | 165,000 | 239,000 |
| Noninterest expense | 424,000 | 841,000 | 1,266,000 | 1,676,000 |
| Provision for loan losses | -30,000 | -30,000 | 0 | 40,000 |
| Pretax income | 178,000 | 377,000 | 882,000 | 1,183,000 |
| Income tax | 57,000 | 132,000 | 300,000 | 428,000 |
| Net income | 121,000 | 245,000 | 582,000 | 755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,621,000 | 4,741,000 | 5,079,000 | 5,222,000 |
| Total capital | 5,134,000 | 5,327,000 | 5,688,000 | 5,835,000 |
| Risk-weighted assets | 40,919,000 | 46,823,000 | 50,062,000 | 52,938,000 |