Call reports 2004
SILVER FALLS BANK — 2004
What SILVER FALLS 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 | 53,525,000 | 54,929,000 | 54,173,000 | 56,975,000 |
| Total loans | 40,921,000 | 40,207,000 | 41,722,000 | 45,745,000 |
| Allowance for loan losses | 542,000 | 537,000 | 541,000 | 585,000 |
| Securities available for sale | 3,024,000 | 6,437,000 | 5,617,000 | 3,757,000 |
| Securities held to maturity | 800,000 | 850,000 | 850,000 | 850,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,129,000 | 47,568,000 | 46,741,000 | 49,336,000 |
| Interest-bearing deposits | 43,806,000 | 45,302,000 | 43,920,000 | 46,480,000 |
| Noninterest-bearing deposits | 2,323,000 | 2,266,000 | 2,821,000 | 2,856,000 |
| Equity capital | 6,510,000 | 6,637,000 | 6,886,000 | 7,089,000 |
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 | 852,000 | 1,691,000 | 2,606,000 | 3,695,000 |
| Interest expense | 224,000 | 440,000 | 657,000 | 875,000 |
| Net interest income | 628,000 | 1,251,000 | 1,949,000 | 2,820,000 |
| Noninterest income | 18,000 | 40,000 | 65,000 | 87,000 |
| Noninterest expense | 316,000 | 666,000 | 1,035,000 | 1,514,000 |
| Provision for loan losses | 10,000 | 15,000 | 19,000 | 63,000 |
| Pretax income | 320,000 | 610,000 | 960,000 | 1,334,000 |
| Income tax | 125,000 | 231,000 | 363,000 | 502,000 |
| Net income | 195,000 | 379,000 | 597,000 | 832,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,462,000 | 6,657,000 | 6,876,000 | 7,109,000 |
| Total capital | 6,952,000 | 7,151,000 | 7,371,000 | 7,643,000 |
| Risk-weighted assets | 39,168,000 | 39,454,000 | 39,571,000 | 42,671,000 |