Call reports 2004
FREEDOM FINANCIAL BANK — 2004
What FREEDOM FINANCIAL 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 | 73,703,000 | 84,942,000 | 85,662,000 | 92,857,000 |
| Total loans | 61,732,000 | 72,842,000 | 79,756,000 | 87,327,000 |
| Allowance for loan losses | 620,000 | 645,000 | 700,000 | 751,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,962,000 | 66,757,000 | 65,310,000 | 71,631,000 |
| Interest-bearing deposits | 53,039,000 | 59,851,000 | 57,896,000 | 62,580,000 |
| Noninterest-bearing deposits | 7,923,000 | 6,906,000 | 7,414,000 | 9,051,000 |
| Equity capital | 6,028,000 | 9,075,000 | 9,245,000 | 9,110,000 |
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 | 905,000 | 1,954,000 | 3,091,000 | 4,389,000 |
| Interest expense | 372,000 | 816,000 | 1,280,000 | 1,772,000 |
| Net interest income | 533,000 | 1,138,000 | 1,811,000 | 2,617,000 |
| Noninterest income | 18,000 | 38,000 | 63,000 | 92,000 |
| Noninterest expense | 393,000 | 796,000 | 1,125,000 | 1,551,000 |
| Provision for loan losses | 15,000 | 40,000 | 95,000 | 140,000 |
| Pretax income | 143,000 | 340,000 | 654,000 | 1,018,000 |
| Income tax | 0 | 0 | 48,000 | 71,000 |
| Net income | 143,000 | 340,000 | 606,000 | 947,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,028,000 | 9,075,000 | 9,245,000 | 9,110,000 |
| Total capital | 6,648,000 | 9,720,000 | 9,945,000 | 9,861,000 |
| Risk-weighted assets | 70,051,000 | 81,803,000 | 89,535,000 | 97,284,000 |
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