Call reports 2004
BANK OF WARRENSBURG — 2004
What BANK OF WARRENSBURG 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 | 8,474,000 | 8,500,000 | 9,598,000 | 8,179,000 |
| Total loans | 6,241,000 | 6,577,000 | 6,642,000 | 6,316,000 |
| Allowance for loan losses | 80,000 | 82,000 | 74,000 | 61,000 |
| Securities available for sale | 1,324,000 | 1,279,000 | 1,288,000 | 1,169,000 |
| Securities held to maturity | 90,000 | 90,000 | 89,000 | 88,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,082,000 | 6,729,000 | 7,912,000 | 6,834,000 |
| Interest-bearing deposits | 5,793,000 | 5,644,000 | 6,776,000 | 5,572,000 |
| Noninterest-bearing deposits | 1,289,000 | 1,085,000 | 1,136,000 | 1,262,000 |
| Equity capital | 1,352,000 | 1,347,000 | 1,371,000 | 1,331,000 |
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 | 129,000 | 264,000 | 397,000 | 533,000 |
| Interest expense | 25,000 | 47,000 | 70,000 | 94,000 |
| Net interest income | 104,000 | 217,000 | 327,000 | 439,000 |
| Noninterest income | 13,000 | 28,000 | 44,000 | 59,000 |
| Noninterest expense | 88,000 | 187,000 | 305,000 | 409,000 |
| Provision for loan losses | 1,000 | 3,000 | 4,000 | -9,000 |
| Pretax income | 28,000 | 55,000 | 62,000 | 98,000 |
| Income tax | 5,000 | 14,000 | 12,000 | 18,000 |
| Net income | 23,000 | 41,000 | 50,000 | 80,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,333,000 | 1,351,000 | 1,360,000 | 1,324,000 |
| Total capital | 1,401,000 | 1,423,000 | 1,434,000 | 1,385,000 |
| Risk-weighted assets | 5,443,000 | 5,732,000 | 6,231,000 | 5,536,000 |