Call reports 2004
FIRST BANK OF NEWTON — 2004
What FIRST BANK OF NEWTON 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 | 105,279,000 | 106,852,000 | 110,187,000 | 110,312,000 |
| Total loans | 74,986,000 | 80,053,000 | 83,399,000 | 85,442,000 |
| Allowance for loan losses | 449,000 | 466,000 | 466,000 | 527,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 20,557,000 | 16,630,000 | 20,403,000 | 17,941,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,982,000 | 99,291,000 | 100,021,000 | 102,594,000 |
| Interest-bearing deposits | 92,053,000 | 92,107,000 | 93,891,000 | 94,665,000 |
| Noninterest-bearing deposits | 5,929,000 | 7,184,000 | 6,130,000 | 7,929,000 |
| Equity capital | 7,026,000 | 7,212,000 | 7,393,000 | 7,462,000 |
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 | 1,325,000 | 2,721,000 | 4,160,000 | 5,651,000 |
| Interest expense | 343,000 | 692,000 | 1,072,000 | 1,470,000 |
| Net interest income | 982,000 | 2,029,000 | 3,088,000 | 4,181,000 |
| Noninterest income | 186,000 | 395,000 | 608,000 | 814,000 |
| Noninterest expense | 731,000 | 1,501,000 | 2,327,000 | 3,162,000 |
| Provision for loan losses | 5,000 | 25,000 | 25,000 | 110,000 |
| Pretax income | 432,000 | 898,000 | 1,344,000 | 1,723,000 |
| Income tax | 15,000 | 45,000 | 60,000 | 69,000 |
| Net income | 417,000 | 853,000 | 1,284,000 | 1,654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,026,000 | 7,212,000 | 7,393,000 | 7,462,000 |
| Total capital | 7,475,000 | 7,678,000 | 7,859,000 | 7,989,000 |
| Risk-weighted assets | 69,476,000 | 73,281,000 | 76,253,000 | 77,903,000 |
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