Call reports 2004
FRIENDSHIP BANK — 2004
What FRIENDSHIP 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 | 82,975,000 | 82,805,000 | 82,544,000 | 82,335,000 |
| Total loans | 59,714,000 | 62,121,000 | 63,882,000 | 64,282,000 |
| Allowance for loan losses | 2,119,000 | 2,003,000 | 1,998,000 | 1,854,000 |
| Securities available for sale | 20,013,000 | 16,967,000 | 15,911,000 | 13,556,000 |
| Securities held to maturity | 457,000 | 215,000 | 90,000 | 90,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,708,000 | 70,603,000 | 69,952,000 | 70,561,000 |
| Interest-bearing deposits | 62,167,000 | 63,245,000 | 62,869,000 | 62,601,000 |
| Noninterest-bearing deposits | 7,541,000 | 7,358,000 | 7,083,000 | 7,959,000 |
| Equity capital | 8,600,000 | 8,490,000 | 8,422,000 | 8,335,000 |
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 | 1,308,000 | 2,541,000 | 3,786,000 | 5,008,000 |
| Interest expense | 413,000 | 811,000 | 1,216,000 | 1,631,000 |
| Net interest income | 895,000 | 1,730,000 | 2,570,000 | 3,377,000 |
| Noninterest income | 107,000 | 264,000 | 436,000 | 470,000 |
| Noninterest expense | 801,000 | 1,584,000 | 2,343,000 | 3,238,000 |
| Provision for loan losses | 40,000 | 45,000 | 80,000 | 80,000 |
| Pretax income | 177,000 | 453,000 | 727,000 | 694,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 177,000 | 453,000 | 727,000 | 694,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,339,000 | 8,618,000 | 8,372,000 | 8,341,000 |
| Total capital | 9,055,000 | 9,362,000 | 9,126,000 | 9,101,000 |
| Risk-weighted assets | 55,844,000 | 58,283,000 | 59,107,000 | 59,711,000 |