Call reports 2004
JOURDANTON STATE BANK — 2004
What JOURDANTON 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 | 83,208,000 | 80,190,000 | 79,726,000 | 79,171,000 |
| Total loans | 27,754,000 | 29,152,000 | 28,695,000 | 29,081,000 |
| Allowance for loan losses | 252,000 | 276,000 | 307,000 | 385,000 |
| Securities available for sale | 41,630,000 | 38,669,000 | 37,728,000 | 36,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,485,000 | 65,449,000 | 63,854,000 | 63,506,000 |
| Interest-bearing deposits | 46,463,000 | 47,160,000 | 44,372,000 | 44,565,000 |
| Noninterest-bearing deposits | 21,022,000 | 18,289,000 | 19,482,000 | 18,941,000 |
| Equity capital | 14,962,000 | 14,158,000 | 14,975,000 | 14,740,000 |
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 | 968,000 | 1,960,000 | 2,965,000 | 3,969,000 |
| Interest expense | 109,000 | 220,000 | 332,000 | 459,000 |
| Net interest income | 859,000 | 1,740,000 | 2,633,000 | 3,510,000 |
| Noninterest income | 262,000 | 570,000 | 924,000 | 1,268,000 |
| Noninterest expense | 866,000 | 1,728,000 | 2,630,000 | 3,532,000 |
| Provision for loan losses | 74,000 | 105,000 | 133,000 | 158,000 |
| Pretax income | 181,000 | 502,000 | 819,000 | 1,113,000 |
| Income tax | 20,000 | 87,000 | 147,000 | 189,000 |
| Net income | 161,000 | 415,000 | 672,000 | 924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,140,000 | 14,395,000 | 14,652,000 | 14,555,000 |
| Total capital | 14,392,000 | 14,671,000 | 14,959,000 | 14,940,000 |
| Risk-weighted assets | 42,532,000 | 41,651,000 | 41,774,000 | 40,643,000 |