Call reports 2004
SONATA BANK — 2004
What SONATA 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 | 24,636,000 | 23,945,000 | 22,168,000 | 20,577,000 |
| Total loans | 12,608,000 | 11,866,000 | 10,687,000 | 10,454,000 |
| Allowance for loan losses | 350,000 | 379,000 | 340,000 | 339,000 |
| Securities available for sale | 2,297,000 | 1,762,000 | 1,671,000 | 1,408,000 |
| Securities held to maturity | 5,702,000 | 6,444,000 | 6,736,000 | 6,981,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,409,000 | 20,716,000 | 19,663,000 | 18,087,000 |
| Interest-bearing deposits | 18,676,000 | 17,906,000 | 16,804,000 | 15,611,000 |
| Noninterest-bearing deposits | 2,733,000 | 2,810,000 | 2,859,000 | 2,476,000 |
| Equity capital | 2,168,000 | 2,172,000 | 2,169,000 | 2,168,000 |
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 | 296,000 | 627,000 | 930,000 | 1,213,000 |
| Interest expense | 132,000 | 253,000 | 359,000 | 453,000 |
| Net interest income | 154,000 | 374,000 | 571,000 | 760,000 |
| Noninterest income | 20,000 | 47,000 | 73,000 | 92,000 |
| Noninterest expense | 212,000 | 422,000 | 649,000 | 851,000 |
| Provision for loan losses | 3,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | -31,000 | -5,000 | -9,000 | -3,000 |
| Income tax | 2,000 | 1,000 | -3,000 | -5,000 |
| Net income | -33,000 | -6,000 | -6,000 | 2,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,128,000 | 2,155,000 | 2,155,000 | 2,162,000 |
| Total capital | 2,293,000 | 2,313,000 | 2,299,000 | 2,298,000 |
| Risk-weighted assets | 13,011,000 | 12,427,000 | 11,304,000 | 10,699,000 |