Call reports 2004
NBRS FINANCIAL BANK — 2004
What NBRS FINANCIAL BANK 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 | 115,596,000 | 119,098,000 | 125,799,000 | 139,949,000 |
| Total loans | 95,873,000 | 97,173,000 | 105,548,000 | 115,703,000 |
| Allowance for loan losses | 1,359,000 | 1,359,000 | 1,355,000 | 1,332,000 |
| Securities available for sale | 9,345,000 | 11,199,000 | 9,542,000 | 8,976,000 |
| Securities held to maturity | 851,000 | 843,000 | 58,000 | 56,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,531,000 | 101,853,000 | 101,411,000 | 122,115,000 |
| Interest-bearing deposits | 83,095,000 | 85,063,000 | 83,646,000 | 103,066,000 |
| Noninterest-bearing deposits | 15,435,000 | 16,789,000 | 17,764,000 | 19,049,000 |
| Equity capital | 11,181,000 | 11,365,000 | 11,733,000 | 12,008,000 |
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 | 1,634,000 | 3,288,000 | 5,005,000 | 6,910,000 |
| Interest expense | 457,000 | 908,000 | 1,363,000 | 1,893,000 |
| Net interest income | 1,177,000 | 2,380,000 | 3,642,000 | 5,017,000 |
| Noninterest income | 158,000 | 335,000 | 551,000 | 779,000 |
| Noninterest expense | 925,000 | 1,901,000 | 2,878,000 | 3,967,000 |
| Provision for loan losses | 30,000 | 30,000 | 40,000 | 100,000 |
| Pretax income | 380,000 | 784,000 | 1,275,000 | 1,743,000 |
| Income tax | 130,000 | 269,000 | 441,000 | 603,000 |
| Net income | 250,000 | 515,000 | 834,000 | 1,140,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,083,000 | 11,348,000 | 11,637,000 | 10,042,000 |
| Total capital | 12,265,000 | 12,692,000 | 12,965,000 | 11,374,000 |
| Risk-weighted assets | 94,404,000 | 107,484,000 | 106,150,000 | 118,448,000 |
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