Call reports 2004
BANK OF DELIGHT — 2004
What BANK OF DELIGHT 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 | 77,728,000 | 76,763,000 | 79,006,000 | 78,428,000 |
| Total loans | 42,335,000 | 44,176,000 | 45,260,000 | 46,154,000 |
| Allowance for loan losses | 588,000 | 581,000 | 585,000 | 670,000 |
| Securities available for sale | 1,016,000 | 1,011,000 | 1,010,000 | 1,008,000 |
| Securities held to maturity | 25,255,000 | 22,935,000 | 22,416,000 | 23,377,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,760,000 | 62,393,000 | 64,229,000 | 63,597,000 |
| Interest-bearing deposits | 58,372,000 | 56,688,000 | 59,170,000 | 58,504,000 |
| Noninterest-bearing deposits | 5,388,000 | 5,705,000 | 5,059,000 | 5,093,000 |
| Equity capital | 13,682,000 | 14,008,000 | 14,365,000 | 14,526,000 |
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 | 896,000 | 1,806,000 | 2,752,000 | 3,719,000 |
| Interest expense | 220,000 | 430,000 | 644,000 | 877,000 |
| Net interest income | 676,000 | 1,376,000 | 2,108,000 | 2,842,000 |
| Noninterest income | 22,000 | 45,000 | 74,000 | 101,000 |
| Noninterest expense | 330,000 | 671,000 | 965,000 | 1,348,000 |
| Provision for loan losses | 0 | 0 | 0 | 80,000 |
| Pretax income | 366,000 | 767,000 | 1,212,000 | 1,510,000 |
| Income tax | 105,000 | 177,000 | 266,000 | 403,000 |
| Net income | 261,000 | 590,000 | 946,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,633,000 | 13,970,000 | 14,334,000 | 14,503,000 |
| Total capital | 14,182,000 | 14,551,000 | 14,919,000 | 15,099,000 |
| Risk-weighted assets | 44,193,000 | 46,910,000 | 47,752,000 | 47,620,000 |