Call reports 2004
CENTRAL BANK — 2004
What CENTRAL 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 | 273,112,000 | 290,324,000 | 293,562,000 | 302,045,000 |
| Total loans | 230,801,000 | 248,564,000 | 254,851,000 | 261,317,000 |
| Allowance for loan losses | 3,136,000 | 3,261,000 | 3,318,000 | 3,537,000 |
| Securities available for sale | 17,770,000 | 16,891,000 | 13,653,000 | 16,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,024,000 | 214,448,000 | 232,454,000 | 224,930,000 |
| Interest-bearing deposits | 139,404,000 | 144,412,000 | 158,658,000 | 158,245,000 |
| Noninterest-bearing deposits | 63,620,000 | 70,036,000 | 73,796,000 | 66,685,000 |
| Equity capital | 22,469,000 | 23,236,000 | 24,261,000 | 25,263,000 |
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 | 3,598,000 | 7,352,000 | 11,323,000 | 15,604,000 |
| Interest expense | 676,000 | 1,366,000 | 2,157,000 | 3,071,000 |
| Net interest income | 2,922,000 | 5,986,000 | 9,166,000 | 12,533,000 |
| Noninterest income | 835,000 | 1,664,000 | 2,434,000 | 3,350,000 |
| Noninterest expense | 2,218,000 | 4,493,000 | 6,733,000 | 9,132,000 |
| Provision for loan losses | 220,000 | 340,000 | 460,000 | 705,000 |
| Pretax income | 1,426,000 | 2,924,000 | 4,514,000 | 6,153,000 |
| Income tax | 3,000 | 4,000 | 5,000 | 7,000 |
| Net income | 1,423,000 | 2,920,000 | 4,509,000 | 6,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,153,000 | 23,243,000 | 24,165,000 | 25,202,000 |
| Total capital | 25,199,000 | 26,490,000 | 27,483,000 | 28,621,000 |
| Risk-weighted assets | 243,597,000 | 259,791,000 | 265,741,000 | 273,411,000 |
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