Call reports 2004
FREEDOM BANK — 2004
What FREEDOM 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 | 152,522,000 | 158,749,000 | 166,738,000 | 172,017,000 |
| Total loans | 144,031,000 | 151,685,000 | 155,318,000 | 161,429,000 |
| Allowance for loan losses | 1,664,000 | 1,749,000 | 1,835,000 | 1,901,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 130,432,000 | 135,013,000 | 140,036,000 | 147,384,000 |
| Interest-bearing deposits | 115,466,000 | 120,400,000 | 124,229,000 | 130,265,000 |
| Noninterest-bearing deposits | 14,966,000 | 14,613,000 | 15,807,000 | 17,119,000 |
| Equity capital | 13,061,000 | 13,331,000 | 13,719,000 | 14,110,000 |
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 | 2,063,000 | 4,196,000 | 6,453,000 | 8,809,000 |
| Interest expense | 822,000 | 1,657,000 | 2,530,000 | 3,488,000 |
| Net interest income | 1,241,000 | 2,539,000 | 3,923,000 | 5,321,000 |
| Noninterest income | 194,000 | 407,000 | 634,000 | 845,000 |
| Noninterest expense | 761,000 | 1,532,000 | 2,319,000 | 3,135,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 420,000 |
| Pretax income | 569,000 | 1,204,000 | 1,923,000 | 2,611,000 |
| Income tax | 226,000 | 480,000 | 764,000 | 1,037,000 |
| Net income | 343,000 | 724,000 | 1,159,000 | 1,574,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,061,000 | 13,331,000 | 13,719,000 | 14,110,000 |
| Total capital | 14,605,000 | 14,958,000 | 15,372,000 | 15,833,000 |
| Risk-weighted assets | 123,381,000 | 130,013,000 | 132,062,000 | 137,696,000 |
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