Call reports 2004
NATIONAL BANK OF STAMFORD, THE — 2004
What NATIONAL BANK OF STAMFORD, THE 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 | 105,086,000 | 103,078,000 | 104,353,000 | 101,471,000 |
| Total loans | 34,677,000 | 37,709,000 | 42,170,000 | 35,064,000 |
| Allowance for loan losses | 391,000 | 334,000 | 321,000 | 307,000 |
| Securities available for sale | 60,088,000 | 55,591,000 | 51,419,000 | 53,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,686,000 | 63,294,000 | 64,281,000 | 61,053,000 |
| Interest-bearing deposits | 47,605,000 | 46,808,000 | 46,218,000 | 44,919,000 |
| Noninterest-bearing deposits | 17,081,000 | 16,486,000 | 18,063,000 | 16,134,000 |
| Equity capital | 15,617,000 | 14,364,000 | 15,394,000 | 15,004,000 |
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 | 1,144,000 | 2,291,000 | 3,455,000 | 4,678,000 |
| Interest expense | 424,000 | 847,000 | 1,278,000 | 1,724,000 |
| Net interest income | 720,000 | 1,444,000 | 2,177,000 | 2,954,000 |
| Noninterest income | 192,000 | 361,000 | 572,000 | 768,000 |
| Noninterest expense | 780,000 | 1,532,000 | 2,281,000 | 3,175,000 |
| Provision for loan losses | -55,000 | -108,000 | -120,000 | -131,000 |
| Pretax income | 347,000 | 541,000 | 808,000 | 898,000 |
| Income tax | 138,000 | 197,000 | 312,000 | 244,000 |
| Net income | 209,000 | 344,000 | 496,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,704,000 | 14,581,000 | 14,732,000 | 14,632,000 |
| Total capital | 15,095,000 | 14,915,000 | 15,053,000 | 14,939,000 |
| Risk-weighted assets | 45,747,000 | 48,891,000 | 52,052,000 | 47,087,000 |