Call reports 2004
BANK OF LABOR — 2004
What BANK OF LABOR 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 | 447,339,000 | 423,291,000 | 431,819,000 | 438,813,000 |
| Total loans | 128,925,000 | 131,468,000 | 125,403,000 | 131,199,000 |
| Allowance for loan losses | 5,897,000 | 5,902,000 | 4,556,000 | 4,662,000 |
| Securities available for sale | 271,075,000 | 269,284,000 | 286,390,000 | 290,881,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,599,000 | 326,016,000 | 335,948,000 | 344,887,000 |
| Interest-bearing deposits | 288,945,000 | 281,749,000 | 288,140,000 | 297,664,000 |
| Noninterest-bearing deposits | 64,654,000 | 44,267,000 | 47,808,000 | 47,223,000 |
| Equity capital | 41,963,000 | 39,578,000 | 45,001,000 | 44,615,000 |
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 | 4,647,000 | 9,254,000 | 14,424,000 | 19,455,000 |
| Interest expense | 1,352,000 | 2,702,000 | 4,127,000 | 5,672,000 |
| Net interest income | 3,295,000 | 6,552,000 | 10,297,000 | 13,783,000 |
| Noninterest income | 1,280,000 | 5,028,000 | 6,647,000 | 8,015,000 |
| Noninterest expense | 3,494,000 | 7,190,000 | 11,194,000 | 15,177,000 |
| Provision for loan losses | 50,000 | 50,000 | -1,240,000 | -1,240,000 |
| Pretax income | 1,127,000 | 4,603,000 | 7,327,000 | 8,171,000 |
| Income tax | 233,000 | 1,340,000 | 2,151,000 | 2,256,000 |
| Net income | 894,000 | 3,263,000 | 5,176,000 | 5,915,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,787,000 | 37,058,000 | 38,874,000 | 39,419,000 |
| Total capital | 37,251,000 | 39,462,000 | 41,156,000 | 41,768,000 |
| Risk-weighted assets | 193,765,000 | 188,817,000 | 180,243,000 | 185,585,000 |
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