Call reports 2004
ALL CAPITAL BANK — 2004
What ALL CAPITAL 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 | 27,198,000 | 27,575,000 | 26,473,000 | 27,230,000 |
| Total loans | 16,974,000 | 17,457,000 | 16,873,000 | 16,592,000 |
| Allowance for loan losses | 376,000 | 359,000 | 359,000 | 364,000 |
| Securities available for sale | 1,753,000 | 1,528,000 | 1,497,000 | 1,450,000 |
| Securities held to maturity | 715,000 | 1,870,000 | 1,646,000 | 1,249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,018,000 | 24,308,000 | 23,031,000 | 23,684,000 |
| Interest-bearing deposits | 17,535,000 | 17,853,000 | 17,321,000 | 18,013,000 |
| Noninterest-bearing deposits | 5,483,000 | 6,455,000 | 5,710,000 | 5,671,000 |
| Equity capital | 3,921,000 | 3,064,000 | 3,238,000 | 3,393,000 |
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 | 471,000 | 946,000 | 1,419,000 | 1,879,000 |
| Interest expense | 48,000 | 98,000 | 150,000 | 205,000 |
| Net interest income | 423,000 | 848,000 | 1,269,000 | 1,674,000 |
| Noninterest income | 104,000 | 207,000 | 320,000 | 440,000 |
| Noninterest expense | 293,000 | 584,000 | 851,000 | 1,127,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 234,000 | 471,000 | 738,000 | 987,000 |
| Income tax | 82,000 | 165,000 | 261,000 | 350,000 |
| Net income | 152,000 | 306,000 | 477,000 | 637,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,786,000 | 2,940,000 | 3,111,000 | 3,272,000 |
| Total capital | 4,005,000 | 3,154,000 | 3,306,000 | 3,519,000 |
| Risk-weighted assets | 17,355,000 | 16,998,000 | 15,428,000 | 19,627,000 |
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