Call reports 2004
COULEE BANK — 2004
What COULEE 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 | 120,692,000 | 116,128,000 | 114,947,000 | 118,931,000 |
| Total loans | 76,780,000 | 80,939,000 | 82,941,000 | 86,363,000 |
| Allowance for loan losses | 867,000 | 890,000 | 917,000 | 925,000 |
| Securities available for sale | 33,717,000 | 30,473,000 | 27,582,000 | 27,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,485,000 | 93,386,000 | 94,445,000 | 99,965,000 |
| Interest-bearing deposits | 89,003,000 | 78,804,000 | 79,104,000 | 83,458,000 |
| Noninterest-bearing deposits | 14,482,000 | 14,582,000 | 15,341,000 | 16,507,000 |
| Equity capital | 14,330,000 | 13,570,000 | 14,073,000 | 14,028,000 |
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 | 1,551,000 | 3,097,000 | 4,648,000 | 6,241,000 |
| Interest expense | 370,000 | 698,000 | 1,072,000 | 1,462,000 |
| Net interest income | 1,181,000 | 2,399,000 | 3,576,000 | 4,779,000 |
| Noninterest income | 175,000 | 383,000 | 563,000 | 715,000 |
| Noninterest expense | 864,000 | 1,722,000 | 2,604,000 | 3,450,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 220,000 |
| Pretax income | 462,000 | 1,002,000 | 1,460,000 | 1,839,000 |
| Income tax | 11,000 | 19,000 | 28,000 | 38,000 |
| Net income | 451,000 | 983,000 | 1,432,000 | 1,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,647,000 | 13,624,000 | 13,786,000 | 13,961,000 |
| Total capital | 14,514,000 | 14,514,000 | 14,703,000 | 14,886,000 |
| Risk-weighted assets | 90,073,000 | 87,735,000 | 88,128,000 | 91,475,000 |
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