Call reports 2004
BENCHMARK BANK — 2004
What BENCHMARK 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 | 102,880,000 | 98,189,000 | 101,319,000 | 114,780,000 |
| Total loans | 90,670,000 | 85,628,000 | 92,052,000 | 104,454,000 |
| Allowance for loan losses | 689,000 | 693,000 | 658,000 | 682,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 15,000 | 14,000 | 13,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,131,000 | 85,024,000 | 80,765,000 | 79,131,000 |
| Interest-bearing deposits | 71,592,000 | 66,110,000 | 60,577,000 | 61,328,000 |
| Noninterest-bearing deposits | 18,539,000 | 18,914,000 | 20,188,000 | 17,803,000 |
| Equity capital | 12,155,000 | 12,220,000 | 12,241,000 | 12,204,000 |
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 | 1,632,000 | 3,173,000 | 4,745,000 | 6,457,000 |
| Interest expense | 492,000 | 945,000 | 1,349,000 | 1,763,000 |
| Net interest income | 1,140,000 | 2,228,000 | 3,396,000 | 4,694,000 |
| Noninterest income | 526,000 | 1,082,000 | 1,605,000 | 2,732,000 |
| Noninterest expense | 1,384,000 | 2,808,000 | 4,283,000 | 5,845,000 |
| Provision for loan losses | 0 | 0 | 0 | 900,000 |
| Pretax income | 282,000 | 502,000 | 718,000 | 681,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 502,000 | 718,000 | 681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,095,000 | 12,156,000 | 12,175,000 | 12,140,000 |
| Total capital | 12,784,000 | 12,849,000 | 12,833,000 | 12,822,000 |
| Risk-weighted assets | 89,655,000 | 85,261,000 | 92,108,000 | 104,609,000 |
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