Call reports 2004
LANDMANDS BANK — 2004
What LANDMANDS 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 | 52,806,000 | 52,008,000 | 53,529,000 | 55,925,000 |
| Total loans | 42,537,000 | 42,116,000 | 42,125,000 | 44,132,000 |
| Allowance for loan losses | 516,000 | 516,000 | 547,000 | 558,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,687,000 | 7,481,000 | 6,779,000 | 7,022,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,656,000 | 47,012,000 | 48,369,000 | 50,609,000 |
| Interest-bearing deposits | 45,817,000 | 44,502,000 | 46,197,000 | 47,537,000 |
| Noninterest-bearing deposits | 1,839,000 | 2,510,000 | 2,172,000 | 3,072,000 |
| Equity capital | 4,548,000 | 4,704,000 | 4,856,000 | 4,960,000 |
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 | 821,000 | 1,686,000 | 2,549,000 | 3,380,000 |
| Interest expense | 186,000 | 367,000 | 547,000 | 755,000 |
| Net interest income | 635,000 | 1,319,000 | 2,002,000 | 2,625,000 |
| Noninterest income | 64,000 | 149,000 | 244,000 | 318,000 |
| Noninterest expense | 324,000 | 646,000 | 987,000 | 1,347,000 |
| Provision for loan losses | 178,000 | 384,000 | 585,000 | 764,000 |
| Pretax income | 197,000 | 438,000 | 674,000 | 832,000 |
| Income tax | 68,000 | 153,000 | 237,000 | 291,000 |
| Net income | 129,000 | 285,000 | 437,000 | 541,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,512,000 | 4,671,000 | 4,827,000 | 4,934,000 |
| Total capital | 5,028,000 | 5,187,000 | 5,374,000 | 5,492,000 |
| Risk-weighted assets | 44,343,000 | 43,754,000 | 44,120,000 | 46,479,000 |
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