Call reports 2004
FIRST BANK OF BELOIT — 2004
What FIRST BANK OF BELOIT 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 | 53,873,000 | 53,277,000 | 52,440,000 | 56,917,000 |
| Total loans | 29,344,000 | 29,900,000 | 29,191,000 | 30,915,000 |
| Allowance for loan losses | 425,000 | 426,000 | 426,000 | 426,000 |
| Securities available for sale | 17,171,000 | 17,168,000 | 19,970,000 | 18,970,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,921,000 | 44,445,000 | 43,416,000 | 47,352,000 |
| Interest-bearing deposits | 37,894,000 | 36,892,000 | 35,994,000 | 40,153,000 |
| Noninterest-bearing deposits | 7,027,000 | 7,553,000 | 7,422,000 | 7,199,000 |
| Equity capital | 5,664,000 | 5,556,000 | 5,701,000 | 5,698,000 |
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 | 615,000 | 1,219,000 | 1,836,000 | 2,473,000 |
| Interest expense | 163,000 | 316,000 | 476,000 | 649,000 |
| Net interest income | 452,000 | 903,000 | 1,360,000 | 1,824,000 |
| Noninterest income | 57,000 | 117,000 | 179,000 | 234,000 |
| Noninterest expense | 364,000 | 698,000 | 1,025,000 | 1,373,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 145,000 | 322,000 | 514,000 | 685,000 |
| Income tax | 40,000 | 89,000 | 142,000 | 187,000 |
| Net income | 105,000 | 233,000 | 372,000 | 498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,572,000 | 5,650,000 | 5,724,000 | 5,786,000 |
| Total capital | 5,988,000 | 6,073,000 | 6,137,000 | 6,212,000 |
| Risk-weighted assets | 33,284,000 | 33,807,000 | 32,989,000 | 34,758,000 |
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