Call reports 2004
BEACH BANK — 2004
What BEACH 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 | 172,985,000 | 198,589,000 | 235,895,000 | 266,127,000 |
| Total loans | 132,147,000 | 153,190,000 | 174,591,000 | 210,770,000 |
| Allowance for loan losses | 1,570,000 | 1,818,000 | 2,065,000 | 2,605,000 |
| Securities available for sale | 28,334,000 | 33,525,000 | 32,474,000 | 39,141,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,418,000 | 175,007,000 | 205,943,000 | 218,301,000 |
| Interest-bearing deposits | 135,667,000 | 154,829,000 | 174,637,000 | 191,209,000 |
| Noninterest-bearing deposits | 14,751,000 | 20,178,000 | 31,306,000 | 27,092,000 |
| Equity capital | 15,343,000 | 15,279,000 | 20,085,000 | 20,615,000 |
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 | 2,255,000 | 4,888,000 | 8,058,000 | 11,934,000 |
| Interest expense | 763,000 | 1,601,000 | 2,568,000 | 3,719,000 |
| Net interest income | 1,492,000 | 3,287,000 | 5,490,000 | 8,215,000 |
| Noninterest income | 126,000 | 244,000 | 447,000 | 654,000 |
| Noninterest expense | 1,121,000 | 2,313,000 | 3,662,000 | 5,052,000 |
| Provision for loan losses | 181,000 | 423,000 | 674,000 | 1,209,000 |
| Pretax income | 316,000 | 835,000 | 1,641,000 | 2,648,000 |
| Income tax | 119,000 | 315,000 | 619,000 | 998,000 |
| Net income | 197,000 | 520,000 | 1,022,000 | 1,650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,262,000 | 15,585,000 | 20,090,000 | 20,718,000 |
| Total capital | 16,832,000 | 17,403,000 | 22,155,000 | 23,323,000 |
| Risk-weighted assets | 137,670,000 | 158,329,000 | 179,675,000 | 214,902,000 |
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