Call reports 2004
BANK OF HOLLAND, THE — 2004
What BANK OF HOLLAND, 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 | 303,544,000 | 318,281,000 | 337,603,000 | 359,971,000 |
| Total loans | 275,865,000 | 287,598,000 | 303,213,000 | 317,871,000 |
| Allowance for loan losses | 3,391,000 | 3,581,000 | 3,739,000 | 3,980,000 |
| Securities available for sale | 19,335,000 | 20,375,000 | 23,736,000 | 25,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,153,000 | 266,452,000 | 288,501,000 | 305,704,000 |
| Interest-bearing deposits | 230,623,000 | 247,628,000 | 268,467,000 | 282,676,000 |
| Noninterest-bearing deposits | 20,530,000 | 18,824,000 | 20,034,000 | 23,028,000 |
| Equity capital | 24,861,000 | 26,721,000 | 28,429,000 | 29,246,000 |
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 | 3,349,000 | 6,908,000 | 10,885,000 | 15,346,000 |
| Interest expense | 1,432,000 | 2,931,000 | 4,569,000 | 6,464,000 |
| Net interest income | 1,917,000 | 3,977,000 | 6,316,000 | 8,882,000 |
| Noninterest income | 483,000 | 1,037,000 | 1,294,000 | 1,630,000 |
| Noninterest expense | 1,376,000 | 2,783,000 | 4,102,000 | 5,465,000 |
| Provision for loan losses | 199,000 | 397,000 | 596,000 | 795,000 |
| Pretax income | 825,000 | 1,834,000 | 2,912,000 | 4,252,000 |
| Income tax | 285,000 | 611,000 | 964,000 | 1,415,000 |
| Net income | 540,000 | 1,223,000 | 1,948,000 | 2,837,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,039,000 | 27,191,000 | 28,665,000 | 29,544,000 |
| Total capital | 28,430,000 | 30,772,000 | 32,404,000 | 33,524,000 |
| Risk-weighted assets | 283,281,000 | 301,905,000 | 316,838,000 | 333,283,000 |
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