Call reports 2004
TECHE BANK AND TRUST COMPANY — 2004
What TECHE BANK AND TRUST 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 | 68,658,000 | 68,183,000 | 66,021,000 | 62,955,000 |
| Total loans | 28,115,000 | 28,324,000 | 28,185,000 | 26,845,000 |
| Allowance for loan losses | 353,000 | 353,000 | 353,000 | 383,000 |
| Securities available for sale | 33,338,000 | 33,370,000 | 32,431,000 | 31,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,891,000 | 55,760,000 | 52,981,000 | 49,935,000 |
| Interest-bearing deposits | 47,290,000 | 47,588,000 | 44,965,000 | 41,139,000 |
| Noninterest-bearing deposits | 8,601,000 | 8,172,000 | 8,016,000 | 8,795,000 |
| Equity capital | 5,684,000 | 5,366,000 | 6,034,000 | 6,150,000 |
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 | 720,000 | 1,433,000 | 2,168,000 | 2,901,000 |
| Interest expense | 249,000 | 493,000 | 752,000 | 1,005,000 |
| Net interest income | 471,000 | 940,000 | 1,416,000 | 1,896,000 |
| Noninterest income | 110,000 | 236,000 | 371,000 | 515,000 |
| Noninterest expense | 420,000 | 864,000 | 1,261,000 | 1,692,000 |
| Provision for loan losses | 5,000 | 5,000 | 5,000 | 5,000 |
| Pretax income | 156,000 | 301,000 | 514,000 | 708,000 |
| Income tax | 0 | 11,000 | 16,000 | 22,000 |
| Net income | 156,000 | 290,000 | 498,000 | 686,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,515,000 | 5,650,000 | 5,857,000 | 6,045,000 |
| Total capital | 5,868,000 | 6,003,000 | 6,210,000 | 6,392,000 |
| Risk-weighted assets | 29,859,000 | 29,836,000 | 29,123,000 | 27,633,000 |
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