Call reports 2004
IRON AND GLASS BANK — 2004
What IRON AND GLASS 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 | 290,788,000 | 300,745,000 | 294,528,000 | 290,719,000 |
| Total loans | 168,404,000 | 172,485,000 | 172,993,000 | 167,706,000 |
| Allowance for loan losses | 1,992,000 | 2,061,000 | 1,670,000 | 1,611,000 |
| Securities available for sale | 21,133,000 | 17,214,000 | 28,652,000 | 24,603,000 |
| Securities held to maturity | 65,415,000 | 79,657,000 | 73,896,000 | 77,721,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,615,000 | 259,087,000 | 252,867,000 | 250,002,000 |
| Interest-bearing deposits | 212,763,000 | 219,610,000 | 214,056,000 | 211,018,000 |
| Noninterest-bearing deposits | 36,852,000 | 39,477,000 | 38,811,000 | 38,984,000 |
| Equity capital | 29,793,000 | 30,086,000 | 30,827,000 | 30,755,000 |
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 | 4,043,000 | 8,175,000 | 12,369,000 | 16,570,000 |
| Interest expense | 1,248,000 | 2,442,000 | 3,677,000 | 4,873,000 |
| Net interest income | 2,795,000 | 5,733,000 | 8,692,000 | 11,697,000 |
| Noninterest income | 239,000 | 536,000 | 810,000 | 1,063,000 |
| Noninterest expense | 1,706,000 | 3,430,000 | 5,180,000 | 6,810,000 |
| Provision for loan losses | 135,000 | 440,000 | 775,000 | 1,556,000 |
| Pretax income | 1,193,000 | 2,540,000 | 3,855,000 | 4,725,000 |
| Income tax | 342,000 | 733,000 | 1,112,000 | 1,363,000 |
| Net income | 851,000 | 1,807,000 | 2,743,000 | 3,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,352,000 | 29,119,000 | 29,802,000 | 29,855,000 |
| Total capital | 30,344,000 | 31,180,000 | 31,472,000 | 31,466,000 |
| Risk-weighted assets | 194,820,000 | 201,596,000 | 202,974,000 | 198,709,000 |