Call reports 2004
CENTRAL BANK — 2004
What CENTRAL 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 | 251,825,000 | 258,371,000 | 263,687,000 | 270,843,000 |
| Total loans | 223,597,000 | 230,636,000 | 234,281,000 | 240,281,000 |
| Allowance for loan losses | 2,623,000 | 2,565,000 | 2,563,000 | 2,596,000 |
| Securities available for sale | 10,018,000 | 9,456,000 | 10,006,000 | 9,865,000 |
| Securities held to maturity | 837,000 | 827,000 | 1,618,000 | 1,608,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,727,000 | 223,528,000 | 224,608,000 | 231,219,000 |
| Interest-bearing deposits | 188,994,000 | 203,312,000 | 201,214,000 | 206,215,000 |
| Noninterest-bearing deposits | 19,733,000 | 20,216,000 | 23,394,000 | 25,004,000 |
| Equity capital | 18,390,000 | 18,466,000 | 20,426,000 | 21,237,000 |
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 | 6,777,000 | 10,328,000 | 14,079,000 |
| Interest expense | 1,163,000 | 2,371,000 | 3,679,000 | 5,071,000 |
| Net interest income | 2,186,000 | 4,406,000 | 6,649,000 | 9,008,000 |
| Noninterest income | 461,000 | 892,000 | 1,328,000 | 1,829,000 |
| Noninterest expense | 1,763,000 | 3,713,000 | 5,718,000 | 7,833,000 |
| Provision for loan losses | 25,000 | 110,000 | 110,000 | 110,000 |
| Pretax income | 859,000 | 1,475,000 | 2,149,000 | 2,894,000 |
| Income tax | 231,000 | 476,000 | 733,000 | 972,000 |
| Net income | 628,000 | 999,000 | 1,416,000 | 1,922,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,783,000 | 17,982,000 | 19,913,000 | 20,758,000 |
| Total capital | 20,406,000 | 20,547,000 | 22,476,000 | 23,354,000 |
| Risk-weighted assets | 214,677,000 | 220,425,000 | 224,626,000 | 232,227,000 |
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