Call reports 2004
FIRST INDEPENDENT BANK — 2004
What FIRST INDEPENDENT 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 | 133,506,000 | 137,582,000 | 141,542,000 | 143,124,000 |
| Total loans | 116,242,000 | 122,968,000 | 126,861,000 | 128,181,000 |
| Allowance for loan losses | 1,606,000 | 1,812,000 | 1,887,000 | 2,106,000 |
| Securities available for sale | 7,125,000 | 6,466,000 | 6,009,000 | 4,434,000 |
| Securities held to maturity | 1,889,000 | 1,884,000 | 1,380,000 | 2,525,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,385,000 | 113,324,000 | 115,704,000 | 113,521,000 |
| Interest-bearing deposits | 103,097,000 | 104,676,000 | 107,506,000 | 103,592,000 |
| Noninterest-bearing deposits | 9,288,000 | 8,648,000 | 8,198,000 | 9,929,000 |
| Equity capital | 11,781,000 | 11,979,000 | 12,870,000 | 13,257,000 |
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 | 2,230,000 | 4,541,000 | 6,936,000 | 9,334,000 |
| Interest expense | 725,000 | 1,451,000 | 2,184,000 | 2,953,000 |
| Net interest income | 1,505,000 | 3,090,000 | 4,752,000 | 6,381,000 |
| Noninterest income | 166,000 | 365,000 | 585,000 | 795,000 |
| Noninterest expense | 574,000 | 1,192,000 | 1,802,000 | 2,699,000 |
| Provision for loan losses | 125,000 | 600,000 | 690,000 | 950,000 |
| Pretax income | 972,000 | 1,654,000 | 2,845,000 | 3,527,000 |
| Income tax | 383,000 | 807,000 | 1,122,000 | 1,407,000 |
| Net income | 589,000 | 847,000 | 1,723,000 | 2,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,939,000 | 10,197,000 | 11,073,000 | 11,495,000 |
| Total capital | 11,337,000 | 11,653,000 | 12,581,000 | 13,034,000 |
| Risk-weighted assets | 111,718,000 | 116,144,000 | 120,283,000 | 122,538,000 |
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