Call reports 2004
SEAWAY COMMUNITY BANK — 2004
What SEAWAY COMMUNITY 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 | 84,144,000 | 93,257,000 | 105,055,000 | 111,488,000 |
| Total loans | 64,682,000 | 75,276,000 | 86,305,000 | 92,665,000 |
| Allowance for loan losses | 882,000 | 940,000 | 1,092,000 | 1,158,000 |
| Securities available for sale | 9,850,000 | 8,731,000 | 9,534,000 | 10,162,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,548,000 | 80,273,000 | 86,839,000 | 99,554,000 |
| Interest-bearing deposits | 69,148,000 | 72,868,000 | 78,630,000 | 90,996,000 |
| Noninterest-bearing deposits | 7,400,000 | 7,405,000 | 8,209,000 | 8,558,000 |
| Equity capital | 7,152,000 | 7,595,000 | 8,806,000 | 9,232,000 |
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 | 1,149,000 | 2,405,000 | 3,844,000 | 5,444,000 |
| Interest expense | 366,000 | 756,000 | 1,198,000 | 1,741,000 |
| Net interest income | 783,000 | 1,649,000 | 2,646,000 | 3,703,000 |
| Noninterest income | 204,000 | 446,000 | 605,000 | 820,000 |
| Noninterest expense | 881,000 | 1,889,000 | 2,825,000 | 3,779,000 |
| Provision for loan losses | 38,000 | 107,000 | 266,000 | 356,000 |
| Pretax income | 68,000 | 99,000 | 160,000 | 388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 99,000 | 160,000 | 388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,104,000 | 7,635,000 | 8,797,000 | 9,274,000 |
| Total capital | 7,970,000 | 8,575,000 | 9,889,000 | 10,432,000 |
| Risk-weighted assets | 69,228,000 | 78,435,000 | 89,730,000 | 93,371,000 |
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