Call reports 2004
RANDOLPH NATIONAL BANK — 2004
What RANDOLPH NATIONAL 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 | 114,574,000 | 123,562,000 | 130,071,000 | 132,668,000 |
| Total loans | 97,025,000 | 98,647,000 | 106,489,000 | 106,161,000 |
| Allowance for loan losses | 1,109,000 | 1,152,000 | 1,192,000 | 1,191,000 |
| Securities available for sale | 4,737,000 | 8,546,000 | 6,947,000 | 11,868,000 |
| Securities held to maturity | 3,601,000 | 2,859,000 | 2,698,000 | 3,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,990,000 | 107,080,000 | 111,206,000 | 109,865,000 |
| Interest-bearing deposits | 79,969,000 | 86,044,000 | 89,538,000 | 88,118,000 |
| Noninterest-bearing deposits | 19,021,000 | 21,036,000 | 21,668,000 | 21,747,000 |
| Equity capital | 10,880,000 | 10,881,000 | 11,158,000 | 11,397,000 |
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 | 1,664,000 | 3,360,000 | 5,121,000 | 6,960,000 |
| Interest expense | 241,000 | 486,000 | 747,000 | 1,022,000 |
| Net interest income | 1,423,000 | 2,874,000 | 4,374,000 | 5,938,000 |
| Noninterest income | 129,000 | 271,000 | 440,000 | 582,000 |
| Noninterest expense | 1,140,000 | 2,387,000 | 3,629,000 | 4,841,000 |
| Provision for loan losses | 51,000 | 102,000 | 153,000 | 153,000 |
| Pretax income | 361,000 | 656,000 | 1,060,000 | 1,554,000 |
| Income tax | 115,000 | 212,000 | 335,000 | 497,000 |
| Net income | 246,000 | 444,000 | 725,000 | 1,057,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,855,000 | 10,982,000 | 11,192,000 | 11,454,000 |
| Total capital | 11,911,000 | 12,062,000 | 12,384,000 | 12,613,000 |
| Risk-weighted assets | 84,044,000 | 86,359,000 | 97,299,000 | 92,666,000 |
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