Call reports 2004
FIRSTBANK - WEST BRANCH — 2004
What FIRSTBANK - WEST BRANCH 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 | 201,615,000 | 205,868,000 | 212,633,000 | 213,552,000 |
| Total loans | 179,646,000 | 184,542,000 | 187,185,000 | 187,881,000 |
| Allowance for loan losses | 2,806,000 | 2,799,000 | 2,762,000 | 2,688,000 |
| Securities available for sale | 9,632,000 | 9,018,000 | 9,818,000 | 12,605,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,370,000 | 160,773,000 | 167,815,000 | 166,164,000 |
| Interest-bearing deposits | 124,157,000 | 127,872,000 | 129,022,000 | 133,631,000 |
| Noninterest-bearing deposits | 26,213,000 | 32,901,000 | 38,793,000 | 32,533,000 |
| Equity capital | 17,401,000 | 17,319,000 | 17,298,000 | 17,262,000 |
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 | 3,074,000 | 6,173,000 | 9,338,000 | 12,650,000 |
| Interest expense | 832,000 | 1,679,000 | 2,550,000 | 3,442,000 |
| Net interest income | 2,242,000 | 4,494,000 | 6,788,000 | 9,208,000 |
| Noninterest income | 1,006,000 | 2,231,000 | 3,468,000 | 4,622,000 |
| Noninterest expense | 2,061,000 | 4,278,000 | 6,689,000 | 9,186,000 |
| Provision for loan losses | 10,000 | 25,000 | 25,000 | 25,000 |
| Pretax income | 1,177,000 | 2,422,000 | 3,542,000 | 4,619,000 |
| Income tax | 398,000 | 812,000 | 1,175,000 | 1,518,000 |
| Net income | 779,000 | 1,610,000 | 2,367,000 | 3,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,718,000 | 16,645,000 | 16,615,000 | 16,852,000 |
| Total capital | 18,671,000 | 18,653,000 | 18,673,000 | 18,934,000 |
| Risk-weighted assets | 155,424,000 | 159,826,000 | 163,914,000 | 165,914,000 |