Call reports 2004
TIMBERWOOD BANK — 2004
What TIMBERWOOD 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 | 45,617,000 | 56,969,000 | 71,007,000 | 79,710,000 |
| Total loans | 26,954,000 | 42,273,000 | 51,649,000 | 58,772,000 |
| Allowance for loan losses | 238,000 | 282,000 | 387,000 | 974,000 |
| Securities available for sale | 4,287,000 | 4,002,000 | 5,470,000 | 6,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,704,000 | 50,238,000 | 63,301,000 | 70,359,000 |
| Interest-bearing deposits | 34,624,000 | 44,509,000 | 57,403,000 | 63,221,000 |
| Noninterest-bearing deposits | 5,080,000 | 5,729,000 | 5,898,000 | 7,138,000 |
| Equity capital | 5,693,000 | 6,528,000 | 7,504,000 | 9,222,000 |
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 | 431,000 | 969,000 | 1,771,000 | 2,692,000 |
| Interest expense | 143,000 | 347,000 | 628,000 | 985,000 |
| Net interest income | 288,000 | 622,000 | 1,143,000 | 1,707,000 |
| Noninterest income | 54,000 | 247,000 | 318,000 | 418,000 |
| Noninterest expense | 476,000 | 981,000 | 1,520,000 | 2,174,000 |
| Provision for loan losses | 22,000 | 66,000 | 171,000 | 758,000 |
| Pretax income | -156,000 | -178,000 | -230,000 | -807,000 |
| Income tax | -65,000 | -69,000 | -97,000 | -380,000 |
| Net income | -91,000 | -109,000 | -133,000 | -427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,739,000 | 4,626,000 | 5,611,000 | 7,389,000 |
| Total capital | 3,977,000 | 4,908,000 | 5,998,000 | 8,169,000 |
| Risk-weighted assets | 29,040,000 | 43,349,000 | 53,437,000 | 62,231,000 |