Call reports 2004
PORT WASHINGTON STATE BANK, THE — 2004
What PORT WASHINGTON STATE BANK, THE 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 | 237,522,000 | 238,964,000 | 252,589,000 | 259,861,000 |
| Total loans | 178,877,000 | 183,379,000 | 185,981,000 | 194,873,000 |
| Allowance for loan losses | 1,880,000 | 1,904,000 | 1,955,000 | 2,029,000 |
| Securities available for sale | 48,364,000 | 43,386,000 | 43,608,000 | 47,304,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 213,405,000 | 218,516,000 | 232,309,000 | 239,398,000 |
| Interest-bearing deposits | 185,746,000 | 187,151,000 | 199,317,000 | 204,490,000 |
| Noninterest-bearing deposits | 27,658,000 | 31,366,000 | 32,992,000 | 34,908,000 |
| Equity capital | 18,831,000 | 18,402,000 | 18,988,000 | 19,368,000 |
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 | 3,057,000 | 6,166,000 | 9,273,000 | 12,598,000 |
| Interest expense | 881,000 | 1,701,000 | 2,540,000 | 3,441,000 |
| Net interest income | 2,176,000 | 4,465,000 | 6,733,000 | 9,157,000 |
| Noninterest income | 540,000 | 1,087,000 | 1,518,000 | 1,970,000 |
| Noninterest expense | 2,067,000 | 4,187,000 | 6,053,000 | 8,111,000 |
| Provision for loan losses | 60,000 | 120,000 | 181,000 | 242,000 |
| Pretax income | 588,000 | 1,260,000 | 2,027,000 | 2,784,000 |
| Income tax | 180,000 | 396,000 | 648,000 | 900,000 |
| Net income | 408,000 | 864,000 | 1,379,000 | 1,884,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,712,000 | 17,939,000 | 18,217,000 | 18,755,000 |
| Total capital | 19,592,000 | 19,843,000 | 20,172,000 | 20,784,000 |
| Risk-weighted assets | 173,668,000 | 179,766,000 | 185,535,000 | 199,055,000 |