Call reports 2004
FINWISE BANK — 2004
What FINWISE 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 | 33,693,000 | 37,732,000 | 38,827,000 | 39,357,000 |
| Total loans | 23,103,000 | 25,552,000 | 28,131,000 | 27,823,000 |
| Allowance for loan losses | 284,000 | 316,000 | 334,000 | 355,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,964,000 | 31,856,000 | 32,619,000 | 33,108,000 |
| Interest-bearing deposits | 20,471,000 | 24,457,000 | 27,184,000 | 24,311,000 |
| Noninterest-bearing deposits | 7,493,000 | 7,399,000 | 5,435,000 | 8,797,000 |
| Equity capital | 5,482,000 | 5,670,000 | 5,895,000 | 6,071,000 |
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 | 606,000 | 1,265,000 | 1,983,000 | 2,757,000 |
| Interest expense | 79,000 | 168,000 | 286,000 | 418,000 |
| Net interest income | 527,000 | 1,097,000 | 1,697,000 | 2,339,000 |
| Noninterest income | 105,000 | 214,000 | 321,000 | 440,000 |
| Noninterest expense | 303,000 | 643,000 | 977,000 | 1,413,000 |
| Provision for loan losses | 40,000 | 84,000 | 102,000 | 138,000 |
| Pretax income | 289,000 | 584,000 | 939,000 | 1,228,000 |
| Income tax | 107,000 | 214,000 | 344,000 | 457,000 |
| Net income | 182,000 | 370,000 | 595,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,482,000 | 5,670,000 | 5,895,000 | 6,071,000 |
| Total capital | 5,766,000 | 5,986,000 | 6,229,000 | 6,426,000 |
| Risk-weighted assets | 24,433,000 | 27,272,000 | 29,483,000 | 29,968,000 |
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