Call reports 2004
BANK OF MODESTO — 2004
What BANK OF MODESTO 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 | 21,740,000 | 21,563,000 | 21,491,000 | 21,894,000 |
| Total loans | 15,869,000 | 16,120,000 | 16,768,000 | 16,497,000 |
| Allowance for loan losses | 116,000 | 117,000 | 112,000 | 125,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,421,000 | 3,938,000 | 3,418,000 | 3,654,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,525,000 | 18,288,000 | 18,127,000 | 18,591,000 |
| Interest-bearing deposits | 16,101,000 | 15,864,000 | 15,478,000 | 15,977,000 |
| Noninterest-bearing deposits | 2,424,000 | 2,424,000 | 2,648,000 | 2,614,000 |
| Equity capital | 2,900,000 | 2,978,000 | 3,054,000 | 3,006,000 |
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 | 293,000 | 580,000 | 866,000 | 1,156,000 |
| Interest expense | 65,000 | 127,000 | 184,000 | 241,000 |
| Net interest income | 228,000 | 453,000 | 682,000 | 915,000 |
| Noninterest income | 18,000 | 43,000 | 63,000 | 81,000 |
| Noninterest expense | 128,000 | 255,000 | 387,000 | 562,000 |
| Provision for loan losses | 0 | 0 | 0 | 14,000 |
| Pretax income | 118,000 | 241,000 | 358,000 | 420,000 |
| Income tax | 27,000 | 72,000 | 114,000 | 138,000 |
| Net income | 91,000 | 169,000 | 244,000 | 282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,900,000 | 2,978,000 | 3,054,000 | 3,006,000 |
| Total capital | 3,016,000 | 3,095,000 | 3,166,000 | 3,131,000 |
| Risk-weighted assets | 16,828,000 | 16,706,000 | 17,380,000 | 17,147,000 |
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