Call reports 2004
LANGFORD STATE BANK — 2004
What LANGFORD 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 | 11,536,000 | 11,478,000 | 11,431,000 | 11,952,000 |
| Total loans | 3,273,000 | 3,213,000 | 3,747,000 | 4,150,000 |
| Allowance for loan losses | 216,000 | 216,000 | 216,000 | 232,000 |
| Securities available for sale | 6,508,000 | 6,820,000 | 6,532,000 | 6,493,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,258,000 | 9,263,000 | 9,145,000 | 9,650,000 |
| Interest-bearing deposits | 7,728,000 | 8,015,000 | 7,704,000 | 8,035,000 |
| Noninterest-bearing deposits | 1,530,000 | 1,248,000 | 1,441,000 | 1,615,000 |
| Equity capital | 2,256,000 | 2,183,000 | 2,263,000 | 2,266,000 |
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 | 126,000 | 243,000 | 360,000 | 480,000 |
| Interest expense | 19,000 | 37,000 | 54,000 | 72,000 |
| Net interest income | 107,000 | 206,000 | 306,000 | 408,000 |
| Noninterest income | 6,000 | 10,000 | 14,000 | 18,000 |
| Noninterest expense | 91,000 | 181,000 | 266,000 | 353,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 22,000 | 35,000 | 54,000 | 73,000 |
| Income tax | 3,000 | 7,000 | 11,000 | 18,000 |
| Net income | 19,000 | 28,000 | 43,000 | 55,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,224,000 | 2,233,000 | 2,248,000 | 2,261,000 |
| Total capital | 2,287,000 | 2,296,000 | 2,316,000 | 2,334,000 |
| Risk-weighted assets | 4,868,000 | 4,886,000 | 5,289,000 | 5,711,000 |