Call reports 2004
HOLCOMB BANK — 2004
What HOLCOMB 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 | 88,385,000 | 88,761,000 | 92,050,000 | 89,213,000 |
| Total loans | 51,975,000 | 56,674,000 | 58,399,000 | 59,205,000 |
| Allowance for loan losses | 1,219,000 | 1,250,000 | 1,113,000 | 1,152,000 |
| Securities available for sale | 2,007,000 | 1,999,000 | 1,500,000 | 1,000,000 |
| Securities held to maturity | 19,454,000 | 18,986,000 | 19,707,000 | 18,602,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,869,000 | 79,059,000 | 82,179,000 | 79,017,000 |
| Interest-bearing deposits | 67,848,000 | 67,951,000 | 70,576,000 | 65,675,000 |
| Noninterest-bearing deposits | 11,021,000 | 11,108,000 | 11,603,000 | 13,342,000 |
| Equity capital | 8,945,000 | 9,133,000 | 9,317,000 | 9,638,000 |
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 | 1,077,000 | 2,214,000 | 3,410,000 | 4,548,000 |
| Interest expense | 276,000 | 527,000 | 785,000 | 1,054,000 |
| Net interest income | 801,000 | 1,687,000 | 2,625,000 | 3,494,000 |
| Noninterest income | 129,000 | 348,000 | 530,000 | 641,000 |
| Noninterest expense | 673,000 | 1,405,000 | 2,168,000 | 2,795,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 226,000 | 570,000 | 897,000 | 1,220,000 |
| Income tax | 6,000 | 19,000 | 33,000 | 35,000 |
| Net income | 220,000 | 551,000 | 864,000 | 1,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,919,000 | 9,116,000 | 9,299,000 | 9,620,000 |
| Total capital | 9,674,000 | 9,916,000 | 10,135,000 | 10,457,000 |
| Risk-weighted assets | 59,997,000 | 63,515,000 | 66,619,000 | 66,667,000 |
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