Call reports 2004
STATE BANK OF SAUNEMIN — 2004
What STATE BANK OF SAUNEMIN 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 | 21,950,000 | 21,689,000 | 21,347,000 | 21,752,000 |
| Total loans | 11,414,000 | 12,097,000 | 11,607,000 | 11,780,000 |
| Allowance for loan losses | 175,000 | 181,000 | 174,000 | 179,000 |
| Securities available for sale | 6,261,000 | 5,809,000 | 5,858,000 | 6,605,000 |
| Securities held to maturity | 1,317,000 | 1,286,000 | 1,281,000 | 767,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,782,000 | 18,913,000 | 19,008,000 | 19,158,000 |
| Interest-bearing deposits | 17,239,000 | 16,971,000 | 16,726,000 | 16,255,000 |
| Noninterest-bearing deposits | 2,543,000 | 1,942,000 | 2,282,000 | 2,903,000 |
| Equity capital | 1,855,000 | 1,831,000 | 1,938,000 | 1,946,000 |
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 | 263,000 | 522,000 | 779,000 | 1,046,000 |
| Interest expense | 81,000 | 154,000 | 226,000 | 298,000 |
| Net interest income | 182,000 | 368,000 | 553,000 | 748,000 |
| Noninterest income | 24,000 | 50,000 | 76,000 | 97,000 |
| Noninterest expense | 153,000 | 282,000 | 425,000 | 596,000 |
| Provision for loan losses | 1,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 52,000 | 133,000 | 207,000 | 272,000 |
| Income tax | 7,000 | 18,000 | 33,000 | 66,000 |
| Net income | 45,000 | 115,000 | 174,000 | 206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,804,000 | 1,880,000 | 1,940,000 | 1,964,000 |
| Total capital | 1,971,000 | 2,053,000 | 2,107,000 | 2,133,000 |
| Risk-weighted assets | 13,389,000 | 13,877,000 | 13,348,000 | 13,480,000 |