Call reports 2004
EQUITABLE BANK, S.S.B., THE — 2004
What EQUITABLE BANK, S.S.B., THE 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 | 410,266,000 | 420,592,000 | 447,775,000 | 466,848,000 |
| Total loans | 350,192,000 | 360,749,000 | 387,393,000 | 402,788,000 |
| Allowance for loan losses | 1,176,000 | 1,195,000 | 1,177,000 | 1,185,000 |
| Securities available for sale | 37,686,000 | 36,617,000 | 38,477,000 | 41,349,000 |
| Securities held to maturity | 42,000 | 30,000 | 26,000 | 23,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,438,000 | 370,961,000 | 386,000,000 | 409,590,000 |
| Interest-bearing deposits | 344,957,000 | 352,944,000 | 367,582,000 | 392,607,000 |
| Noninterest-bearing deposits | 18,481,000 | 18,017,000 | 18,418,000 | 16,983,000 |
| Equity capital | 45,274,000 | 45,335,000 | 46,379,000 | 47,000,000 |
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 | 5,186,000 | 10,382,000 | 15,803,000 | 21,455,000 |
| Interest expense | 1,622,000 | 3,226,000 | 5,019,000 | 7,012,000 |
| Net interest income | 3,564,000 | 7,156,000 | 10,784,000 | 14,443,000 |
| Noninterest income | 777,000 | 1,797,000 | 2,654,000 | 3,421,000 |
| Noninterest expense | 3,548,000 | 7,183,000 | 10,855,000 | 14,203,000 |
| Provision for loan losses | -12,000 | -3,000 | -30,000 | -30,000 |
| Pretax income | 840,000 | 1,808,000 | 2,648,000 | 3,726,000 |
| Income tax | 285,000 | 621,000 | 891,000 | 1,268,000 |
| Net income | 555,000 | 1,187,000 | 1,757,000 | 2,458,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,186,000 | 45,796,000 | 46,368,000 | 47,063,000 |
| Total capital | 46,362,000 | 46,991,000 | 47,545,000 | 48,248,000 |
| Risk-weighted assets | 293,902,000 | 311,448,000 | 314,144,000 | 323,828,000 |
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