Call reports 2004
BANK OF THE SAN JUANS — 2004
What BANK OF THE SAN JUANS 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 | 85,011,000 | 86,779,000 | 93,353,000 | 105,047,000 |
| Total loans | 64,794,000 | 67,820,000 | 74,646,000 | 76,172,000 |
| Allowance for loan losses | 637,000 | 677,000 | 741,000 | 657,000 |
| Securities available for sale | 7,746,000 | 6,681,000 | 5,604,000 | 6,530,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,403,000 | 77,954,000 | 84,890,000 | 96,034,000 |
| Interest-bearing deposits | 61,745,000 | 62,922,000 | 67,715,000 | 78,344,000 |
| Noninterest-bearing deposits | 14,658,000 | 15,032,000 | 17,175,000 | 17,690,000 |
| Equity capital | 6,391,000 | 6,605,000 | 7,217,000 | 7,696,000 |
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 | 1,116,000 | 2,296,000 | 3,607,000 | 4,997,000 |
| Interest expense | 199,000 | 403,000 | 606,000 | 819,000 |
| Net interest income | 917,000 | 1,893,000 | 3,001,000 | 4,178,000 |
| Noninterest income | 137,000 | 305,000 | 447,000 | 611,000 |
| Noninterest expense | 743,000 | 1,511,000 | 2,340,000 | 3,295,000 |
| Provision for loan losses | 5,000 | 45,000 | 109,000 | 41,000 |
| Pretax income | 306,000 | 642,000 | 999,000 | 1,453,000 |
| Income tax | 113,000 | 235,000 | 368,000 | 536,000 |
| Net income | 193,000 | 407,000 | 631,000 | 917,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,376,000 | 6,600,000 | 7,214,000 | 7,700,000 |
| Total capital | 7,013,000 | 7,277,000 | 7,955,000 | 8,357,000 |
| Risk-weighted assets | 67,175,000 | 71,973,000 | 78,787,000 | 82,482,000 |