Call reports 2004
BLC COMMUNITY BANK — 2004
What BLC COMMUNITY 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 | 161,243,000 | 166,783,000 | 170,556,000 | 180,076,000 |
| Total loans | 123,546,000 | 130,116,000 | 130,053,000 | 133,760,000 |
| Allowance for loan losses | 1,838,000 | 1,863,000 | 1,852,000 | 1,857,000 |
| Securities available for sale | 26,834,000 | 27,396,000 | 31,093,000 | 31,743,000 |
| Securities held to maturity | 2,877,000 | 2,576,000 | 2,314,000 | 1,864,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,712,000 | 128,506,000 | 133,281,000 | 145,510,000 |
| Interest-bearing deposits | 112,766,000 | 117,394,000 | 121,470,000 | 131,316,000 |
| Noninterest-bearing deposits | 11,946,000 | 11,112,000 | 11,811,000 | 14,194,000 |
| Equity capital | 19,965,000 | 19,656,000 | 20,390,000 | 20,443,000 |
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 | 2,032,000 | 4,084,000 | 6,223,000 | 8,493,000 |
| Interest expense | 624,000 | 1,243,000 | 1,889,000 | 2,630,000 |
| Net interest income | 1,408,000 | 2,841,000 | 4,334,000 | 5,863,000 |
| Noninterest income | 96,000 | 192,000 | 271,000 | 338,000 |
| Noninterest expense | 646,000 | 1,324,000 | 1,962,000 | 2,610,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 828,000 | 1,649,000 | 2,553,000 | 3,471,000 |
| Income tax | 196,000 | 391,000 | 612,000 | 1,056,000 |
| Net income | 632,000 | 1,258,000 | 1,941,000 | 2,415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,970,000 | 19,281,000 | 19,648,000 | 19,808,000 |
| Total capital | 20,725,000 | 21,121,000 | 21,500,000 | 21,665,000 |
| Risk-weighted assets | 140,292,000 | 147,205,000 | 148,486,000 | 151,150,000 |
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