Call reports 2004
PARAGON BANK — 2004
What PARAGON 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 | 39,148,000 | 40,616,000 | 39,727,000 | 39,258,000 |
| Total loans | 34,964,000 | 34,100,000 | 32,608,000 | 29,359,000 |
| Allowance for loan losses | 533,000 | 487,000 | 465,000 | 473,000 |
| Securities available for sale | 120,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,013,000 | 37,411,000 | 36,426,000 | 35,938,000 |
| Interest-bearing deposits | 31,134,000 | 31,422,000 | 30,283,000 | 29,019,000 |
| Noninterest-bearing deposits | 4,879,000 | 5,989,000 | 6,143,000 | 6,919,000 |
| Equity capital | 3,021,000 | 3,115,000 | 3,209,000 | 3,221,000 |
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 | 661,000 | 1,303,000 | 1,933,000 | 2,533,000 |
| Interest expense | 121,000 | 244,000 | 366,000 | 488,000 |
| Net interest income | 540,000 | 1,059,000 | 1,567,000 | 2,045,000 |
| Noninterest income | 58,000 | 126,000 | 202,000 | 254,000 |
| Noninterest expense | 387,000 | 777,000 | 1,176,000 | 1,592,000 |
| Provision for loan losses | 195,000 | 225,000 | 252,000 | 347,000 |
| Pretax income | 16,000 | 181,000 | 339,000 | 358,000 |
| Income tax | 3,000 | 73,000 | 137,000 | 144,000 |
| Net income | 13,000 | 108,000 | 202,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,021,000 | 3,115,000 | 3,209,000 | 3,221,000 |
| Total capital | 3,434,000 | 3,522,000 | 3,604,000 | 3,590,000 |
| Risk-weighted assets | 32,911,000 | 32,568,000 | 31,496,000 | 29,409,000 |
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