Call reports 2004
CALLAWAY BANK, THE — 2004
What CALLAWAY BANK, 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 | 235,222,000 | 230,754,000 | 237,422,000 | 237,347,000 |
| Total loans | 163,057,000 | 161,445,000 | 159,089,000 | 164,572,000 |
| Allowance for loan losses | 2,054,000 | 2,162,000 | 2,259,000 | 2,340,000 |
| Securities available for sale | 53,622,000 | 52,781,000 | 62,613,000 | 57,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,483,000 | 199,403,000 | 197,266,000 | 190,125,000 |
| Interest-bearing deposits | 166,840,000 | 166,495,000 | 162,927,000 | 156,582,000 |
| Noninterest-bearing deposits | 30,643,000 | 32,908,000 | 34,339,000 | 33,543,000 |
| Equity capital | 24,040,000 | 23,361,000 | 24,325,000 | 24,457,000 |
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 | 3,130,000 | 6,217,000 | 9,276,000 | 12,430,000 |
| Interest expense | 679,000 | 1,325,000 | 2,011,000 | 2,710,000 |
| Net interest income | 2,451,000 | 4,892,000 | 7,265,000 | 9,720,000 |
| Noninterest income | 456,000 | 938,000 | 1,434,000 | 1,877,000 |
| Noninterest expense | 1,942,000 | 3,901,000 | 5,696,000 | 7,718,000 |
| Provision for loan losses | 135,000 | 270,000 | 405,000 | 540,000 |
| Pretax income | 830,000 | 1,659,000 | 2,598,000 | 3,418,000 |
| Income tax | 227,000 | 443,000 | 709,000 | 802,000 |
| Net income | 603,000 | 1,216,000 | 1,889,000 | 2,616,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,077,000 | 23,215,000 | 23,781,000 | 24,166,000 |
| Total capital | 25,131,000 | 25,258,000 | 25,852,000 | 26,309,000 |
| Risk-weighted assets | 165,713,000 | 163,326,000 | 165,477,000 | 171,277,000 |
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