Call reports 2004
ISLANDERS BANK — 2004
What ISLANDERS 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 | 142,413,000 | 160,967,000 | 160,507,000 | 157,739,000 |
| Total loans | 80,689,000 | 81,988,000 | 79,904,000 | 86,182,000 |
| Allowance for loan losses | 1,497,000 | 1,507,000 | 1,494,000 | 1,477,000 |
| Securities available for sale | 47,133,000 | 47,442,000 | 49,320,000 | 46,739,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,532,000 | 145,753,000 | 144,356,000 | 141,452,000 |
| Interest-bearing deposits | 93,569,000 | 103,768,000 | 102,281,000 | 102,089,000 |
| Noninterest-bearing deposits | 32,963,000 | 41,985,000 | 42,075,000 | 39,363,000 |
| Equity capital | 14,968,000 | 14,416,000 | 15,259,000 | 15,532,000 |
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 | 1,783,000 | 3,551,000 | 5,369,000 | 7,314,000 |
| Interest expense | 209,000 | 415,000 | 650,000 | 892,000 |
| Net interest income | 1,574,000 | 3,136,000 | 4,719,000 | 6,422,000 |
| Noninterest income | 271,000 | 568,000 | 854,000 | 1,136,000 |
| Noninterest expense | 1,229,000 | 2,488,000 | 3,752,000 | 5,013,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 610,000 | 1,204,000 | 1,803,000 | 2,521,000 |
| Income tax | 196,000 | 381,000 | 573,000 | 801,000 |
| Net income | 414,000 | 823,000 | 1,230,000 | 1,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,329,000 | 14,504,000 | 14,927,000 | 15,337,000 |
| Total capital | 15,456,000 | 15,690,000 | 16,103,000 | 16,548,000 |
| Risk-weighted assets | 89,804,000 | 94,532,000 | 93,740,000 | 96,614,000 |
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