Call reports 2004
BANCCENTRAL, NATIONAL ASSOCIATION — 2004
What BANCCENTRAL, NATIONAL ASSOCIATION 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 | 182,983,000 | 185,040,000 | 187,459,000 | 189,316,000 |
| Total loans | 92,905,000 | 90,629,000 | 88,348,000 | 96,546,000 |
| Allowance for loan losses | 904,000 | 851,000 | 878,000 | 938,000 |
| Securities available for sale | 51,345,000 | 56,449,000 | 66,438,000 | 59,445,000 |
| Securities held to maturity | 9,883,000 | 8,013,000 | 8,539,000 | 7,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,371,000 | 156,903,000 | 157,209,000 | 160,023,000 |
| Interest-bearing deposits | 126,797,000 | 128,324,000 | 127,678,000 | 127,971,000 |
| Noninterest-bearing deposits | 25,574,000 | 28,579,000 | 29,531,000 | 32,052,000 |
| Equity capital | 30,345,000 | 27,843,000 | 29,912,000 | 29,019,000 |
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 | 2,359,000 | 4,787,000 | 7,201,000 | 9,724,000 |
| Interest expense | 504,000 | 1,001,000 | 1,528,000 | 2,074,000 |
| Net interest income | 1,855,000 | 3,786,000 | 5,673,000 | 7,650,000 |
| Noninterest income | 323,000 | 587,000 | 869,000 | 1,230,000 |
| Noninterest expense | 1,509,000 | 3,005,000 | 4,566,000 | 6,187,000 |
| Provision for loan losses | 40,000 | 40,000 | 85,000 | 460,000 |
| Pretax income | 647,000 | 1,361,000 | 1,938,000 | 2,320,000 |
| Income tax | 0 | 0 | 0 | 11,000 |
| Net income | 647,000 | 1,361,000 | 1,938,000 | 2,309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,780,000 | 25,946,000 | 26,125,000 | 26,098,000 |
| Total capital | 26,684,000 | 26,797,000 | 27,003,000 | 27,036,000 |
| Risk-weighted assets | 111,284,000 | 110,092,000 | 111,296,000 | 117,725,000 |