Call reports 2004
NEW CITY BANK — 2004
What NEW CITY 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 | 21,703,000 | 30,483,000 | 40,112,000 | 41,533,000 |
| Total loans | 10,475,000 | 15,690,000 | 21,701,000 | 27,033,000 |
| Allowance for loan losses | 120,000 | 180,000 | 250,000 | 285,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,881,000 | 3,878,000 | 6,628,000 | 8,569,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,956,000 | 22,751,000 | 32,209,000 | 33,492,000 |
| Interest-bearing deposits | 11,889,000 | 19,592,000 | 28,300,000 | 28,416,000 |
| Noninterest-bearing deposits | 2,067,000 | 3,158,000 | 3,909,000 | 5,076,000 |
| Equity capital | 7,699,000 | 7,660,000 | 7,777,000 | 7,926,000 |
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 | 193,000 | 506,000 | 1,070,000 | 1,713,000 |
| Interest expense | 28,000 | 94,000 | 217,000 | 375,000 |
| Net interest income | 165,000 | 412,000 | 853,000 | 1,338,000 |
| Noninterest income | 5,000 | 16,000 | 26,000 | 39,000 |
| Noninterest expense | 188,000 | 425,000 | 689,000 | 1,003,000 |
| Provision for loan losses | 60,000 | 120,000 | 190,000 | 225,000 |
| Pretax income | -78,000 | -117,000 | 0 | 149,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -78,000 | -117,000 | 0 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,699,000 | 7,660,000 | 7,777,000 | 7,926,000 |
| Total capital | 7,819,000 | 7,840,000 | 8,027,000 | 8,211,000 |
| Risk-weighted assets | 12,717,000 | 17,920,000 | 20,953,000 | 28,598,000 |
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