Call reports 2004
ROBERTSON BANKING COMPANY — 2004
What ROBERTSON BANKING COMPANY 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 | 216,467,000 | 211,920,000 | 215,851,000 | 208,596,000 |
| Total loans | 159,904,000 | 158,964,000 | 153,695,000 | 150,422,000 |
| Allowance for loan losses | 1,690,000 | 1,853,000 | 1,852,000 | 2,534,000 |
| Securities available for sale | 41,268,000 | 41,168,000 | 38,844,000 | 36,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,339,000 | 168,980,000 | 172,854,000 | 170,482,000 |
| Interest-bearing deposits | 154,823,000 | 152,245,000 | 155,669,000 | 151,584,000 |
| Noninterest-bearing deposits | 17,516,000 | 16,736,000 | 17,186,000 | 18,899,000 |
| Equity capital | 23,285,000 | 22,882,000 | 22,958,000 | 21,985,000 |
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 | 2,806,000 | 5,742,000 | 8,668,000 | 11,526,000 |
| Interest expense | 948,000 | 1,972,000 | 2,990,000 | 4,468,000 |
| Net interest income | 1,858,000 | 3,770,000 | 5,678,000 | 7,058,000 |
| Noninterest income | 384,000 | 819,000 | 1,149,000 | 1,673,000 |
| Noninterest expense | 1,296,000 | 2,600,000 | 3,974,000 | 5,509,000 |
| Provision for loan losses | 200,000 | 600,000 | 1,750,000 | 3,075,000 |
| Pretax income | 746,000 | 1,389,000 | 1,125,000 | 498,000 |
| Income tax | 140,000 | 192,000 | 217,000 | -140,000 |
| Net income | 606,000 | 1,197,000 | 908,000 | 638,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,381,000 | 22,645,000 | 22,364,000 | 21,775,000 |
| Total capital | 24,071,000 | 24,462,000 | 24,122,000 | 23,493,000 |
| Risk-weighted assets | 146,677,000 | 145,313,000 | 140,549,000 | 136,644,000 |
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