Call reports 2004
STATE BANK OF SCHALLER — 2004
What STATE BANK OF SCHALLER 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 | 17,883,000 | 17,386,000 | 16,712,000 | 16,904,000 |
| Total loans | 8,683,000 | 8,305,000 | 8,406,000 | 8,564,000 |
| Allowance for loan losses | 244,000 | 212,000 | 164,000 | 191,000 |
| Securities available for sale | 4,131,000 | 3,720,000 | 2,803,000 | 1,958,000 |
| Securities held to maturity | 2,695,000 | 3,625,000 | 3,784,000 | 4,446,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,593,000 | 15,124,000 | 14,392,000 | 14,712,000 |
| Interest-bearing deposits | 14,115,000 | 13,428,000 | 12,752,000 | 13,222,000 |
| Noninterest-bearing deposits | 1,478,000 | 1,696,000 | 1,640,000 | 1,490,000 |
| Equity capital | 2,152,000 | 2,179,000 | 2,245,000 | 2,009,000 |
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 | 228,000 | 455,000 | 666,000 | 891,000 |
| Interest expense | 47,000 | 93,000 | 139,000 | 185,000 |
| Net interest income | 181,000 | 362,000 | 527,000 | 706,000 |
| Noninterest income | 100,000 | 178,000 | 259,000 | 437,000 |
| Noninterest expense | 198,000 | 348,000 | 495,000 | 718,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 66,000 | 186,000 | 283,000 | 417,000 |
| Income tax | 8,000 | 48,000 | 82,000 | 146,000 |
| Net income | 58,000 | 138,000 | 201,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,062,000 | 2,141,000 | 2,205,000 | 1,987,000 |
| Total capital | 2,191,000 | 2,269,000 | 2,336,000 | 2,123,000 |
| Risk-weighted assets | 10,230,000 | 10,141,000 | 10,487,000 | 10,860,000 |