Call reports 2004
COWBOY BANK — 2004
What COWBOY 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 | 138,713,000 | 133,318,000 | 136,572,000 | 153,529,000 |
| Total loans | 116,332,000 | 112,269,000 | 115,504,000 | 137,145,000 |
| Allowance for loan losses | 756,000 | 752,000 | 716,000 | 768,000 |
| Securities available for sale | 5,883,000 | 5,678,000 | 5,683,000 | 5,559,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,345,000 | 112,165,000 | 114,465,000 | 130,356,000 |
| Interest-bearing deposits | 104,989,000 | 94,289,000 | 98,291,000 | 111,463,000 |
| Noninterest-bearing deposits | 15,356,000 | 17,876,000 | 16,174,000 | 18,893,000 |
| Equity capital | 12,841,000 | 12,709,000 | 13,517,000 | 13,660,000 |
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 | 1,831,000 | 3,582,000 | 5,409,000 | 7,480,000 |
| Interest expense | 430,000 | 857,000 | 1,295,000 | 1,830,000 |
| Net interest income | 1,401,000 | 2,725,000 | 4,114,000 | 5,650,000 |
| Noninterest income | 244,000 | 523,000 | 764,000 | 993,000 |
| Noninterest expense | 807,000 | 1,598,000 | 2,460,000 | 3,554,000 |
| Provision for loan losses | 25,000 | 25,000 | 50,000 | 200,000 |
| Pretax income | 813,000 | 1,625,000 | 2,368,000 | 2,889,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 813,000 | 1,625,000 | 2,368,000 | 2,889,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,668,000 | 12,655,000 | 13,397,000 | 13,561,000 |
| Total capital | 13,424,000 | 13,407,000 | 14,113,000 | 14,329,000 |
| Risk-weighted assets | 121,402,000 | 117,471,000 | 120,525,000 | 140,112,000 |