Call reports 2004
ERGO BANK — 2004
What ERGO 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 | 81,974,000 | 80,722,000 | 84,826,000 | 85,018,000 |
| Total loans | 42,697,000 | 43,308,000 | 44,644,000 | 43,479,000 |
| Allowance for loan losses | 704,000 | 695,000 | 668,000 | 544,000 |
| Securities available for sale | 31,419,000 | 28,316,000 | 30,908,000 | 31,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,879,000 | 62,017,000 | 64,581,000 | 64,849,000 |
| Interest-bearing deposits | 55,599,000 | 54,195,000 | 55,855,000 | 56,107,000 |
| Noninterest-bearing deposits | 7,281,000 | 7,822,000 | 8,726,000 | 8,742,000 |
| Equity capital | 11,100,000 | 10,685,000 | 11,139,000 | 9,238,000 |
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 | 1,140,000 | 2,271,000 | 3,408,000 | 4,538,000 |
| Interest expense | 394,000 | 767,000 | 1,134,000 | 1,502,000 |
| Net interest income | 746,000 | 1,504,000 | 2,274,000 | 3,036,000 |
| Noninterest income | 103,000 | 190,000 | 270,000 | 390,000 |
| Noninterest expense | 588,000 | 1,106,000 | 1,704,000 | 2,282,000 |
| Provision for loan losses | 14,000 | 6,000 | 20,000 | 69,000 |
| Pretax income | 247,000 | 580,000 | 819,000 | 1,074,000 |
| Income tax | 25,000 | 87,000 | 111,000 | 173,000 |
| Net income | 222,000 | 493,000 | 708,000 | 901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,546,000 | 10,648,000 | 10,800,000 | 9,019,000 |
| Total capital | 11,148,000 | 11,255,000 | 11,423,000 | 9,563,000 |
| Risk-weighted assets | 47,906,000 | 48,652,000 | 50,213,000 | 49,657,000 |
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