Call reports 2004
ALGONQUIN STATE BANK — 2004
What ALGONQUIN STATE 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 | 142,958,000 | 143,981,000 | 137,571,000 | 137,437,000 |
| Total loans | 60,312,000 | 60,831,000 | 63,332,000 | 63,011,000 |
| Allowance for loan losses | 834,000 | 835,000 | 836,000 | 837,000 |
| Securities available for sale | 54,655,000 | 55,223,000 | 51,757,000 | 52,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,472,000 | 125,774,000 | 118,534,000 | 118,191,000 |
| Interest-bearing deposits | 102,788,000 | 105,061,000 | 97,973,000 | 95,160,000 |
| Noninterest-bearing deposits | 19,684,000 | 20,713,000 | 20,561,000 | 23,031,000 |
| Equity capital | 19,595,000 | 17,357,000 | 18,115,000 | 18,221,000 |
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 | 1,446,000 | 2,843,000 | 4,191,000 | 5,612,000 |
| Interest expense | 321,000 | 636,000 | 960,000 | 1,300,000 |
| Net interest income | 1,125,000 | 2,207,000 | 3,231,000 | 4,312,000 |
| Noninterest income | 152,000 | 302,000 | 461,000 | 618,000 |
| Noninterest expense | 1,000,000 | 2,018,000 | 3,058,000 | 3,856,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 308,000 | 528,000 | 745,000 | 1,185,000 |
| Income tax | 0 | 18,000 | 27,000 | 36,000 |
| Net income | 308,000 | 510,000 | 718,000 | 1,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,272,000 | 16,974,000 | 17,157,000 | 17,588,000 |
| Total capital | 17,986,000 | 17,679,000 | 17,875,000 | 18,331,000 |
| Risk-weighted assets | 56,986,000 | 56,260,000 | 57,361,000 | 59,361,000 |
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