Call reports 2004
BANK OF GUAM — 2004
What BANK OF GUAM 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 | 749,014,000 | 730,878,000 | 765,990,000 | 749,203,000 |
| Total loans | 364,836,000 | 384,868,000 | 371,120,000 | 394,655,000 |
| Allowance for loan losses | 7,574,000 | 7,289,000 | 7,627,000 | 8,597,000 |
| Securities available for sale | 275,436,000 | 247,233,000 | 260,500,000 | 117,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 116,647,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,483,000 | 552,848,000 | 582,244,000 | 565,137,000 |
| Interest-bearing deposits | 436,578,000 | 411,272,000 | 432,331,000 | 406,681,000 |
| Noninterest-bearing deposits | 132,905,000 | 141,576,000 | 149,913,000 | 158,456,000 |
| Equity capital | 65,799,000 | 63,030,000 | 65,224,000 | 66,140,000 |
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 | 8,654,000 | 17,466,000 | 26,488,000 | 35,995,000 |
| Interest expense | 926,000 | 1,892,000 | 2,938,000 | 4,064,000 |
| Net interest income | 7,728,000 | 15,574,000 | 23,550,000 | 31,931,000 |
| Noninterest income | 3,203,000 | 6,170,000 | 9,086,000 | 12,070,000 |
| Noninterest expense | 7,992,000 | 15,862,000 | 23,812,000 | 32,017,000 |
| Provision for loan losses | 750,000 | 1,500,000 | 2,250,000 | 2,700,000 |
| Pretax income | 2,189,000 | 4,399,000 | 6,591,000 | 9,404,000 |
| Income tax | 716,000 | 1,431,000 | 2,140,000 | 2,899,000 |
| Net income | 1,473,000 | 2,968,000 | 4,451,000 | 6,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,452,000 | 66,317,000 | 64,586,000 | 65,127,000 |
| Total capital | 70,130,000 | 72,078,000 | 70,185,000 | 70,829,000 |
| Risk-weighted assets | 428,012,000 | 443,104,000 | 437,741,000 | 453,172,000 |
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