Call reports 2004
BREDA SAVINGS BANK — 2004
What BREDA SAVINGS 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 | 23,611,000 | 23,225,000 | 23,396,000 | 24,094,000 |
| Total loans | 11,826,000 | 10,227,000 | 10,970,000 | 11,040,000 |
| Allowance for loan losses | 463,000 | 466,000 | 452,000 | 394,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,660,000 | 11,489,000 | 11,431,000 | 12,096,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,187,000 | 17,780,000 | 17,896,000 | 18,601,000 |
| Interest-bearing deposits | 14,355,000 | 14,051,000 | 13,624,000 | 13,942,000 |
| Noninterest-bearing deposits | 3,832,000 | 3,729,000 | 4,272,000 | 4,659,000 |
| Equity capital | 5,218,000 | 5,243,000 | 5,280,000 | 5,258,000 |
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 | 245,000 | 479,000 | 731,000 | 969,000 |
| Interest expense | 53,000 | 104,000 | 156,000 | 211,000 |
| Net interest income | 192,000 | 375,000 | 575,000 | 758,000 |
| Noninterest income | 45,000 | 74,000 | 104,000 | 147,000 |
| Noninterest expense | 209,000 | 387,000 | 567,000 | 854,000 |
| Provision for loan losses | 0 | 0 | 0 | -50,000 |
| Pretax income | 28,000 | 62,000 | 112,000 | 101,000 |
| Income tax | 8,000 | 17,000 | 30,000 | 30,000 |
| Net income | 20,000 | 45,000 | 82,000 | 71,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,218,000 | 5,243,000 | 5,280,000 | 5,258,000 |
| Total capital | 5,371,000 | 5,378,000 | 5,422,000 | 5,401,000 |
| Risk-weighted assets | 11,941,000 | 10,465,000 | 11,038,000 | 11,293,000 |
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