Call reports 2004
FRAZER BANK — 2004
What FRAZER 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 | 224,641,000 | 224,571,000 | 237,840,000 | 243,303,000 |
| Total loans | 55,192,000 | 52,645,000 | 55,399,000 | 56,310,000 |
| Allowance for loan losses | 543,000 | 549,000 | 509,000 | 481,000 |
| Securities available for sale | 157,898,000 | 158,470,000 | 169,104,000 | 171,963,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 143,451,000 | 151,233,000 | 142,547,000 | 153,770,000 |
| Interest-bearing deposits | 126,084,000 | 132,612,000 | 125,213,000 | 135,140,000 |
| Noninterest-bearing deposits | 17,367,000 | 18,621,000 | 17,334,000 | 18,630,000 |
| Equity capital | 23,347,000 | 18,261,000 | 22,409,000 | 21,321,000 |
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 | 2,786,000 | 5,373,000 | 8,208,000 | 11,170,000 |
| Interest expense | 852,000 | 1,718,000 | 2,703,000 | 3,783,000 |
| Net interest income | 1,934,000 | 3,655,000 | 5,505,000 | 7,387,000 |
| Noninterest income | 370,000 | 817,000 | 1,232,000 | 1,622,000 |
| Noninterest expense | 1,263,000 | 2,489,000 | 3,764,000 | 5,258,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 981,000 | 2,007,000 | 2,938,000 | 3,750,000 |
| Income tax | 0 | 6,000 | 6,000 | 16,000 |
| Net income | 981,000 | 2,001,000 | 2,932,000 | 3,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,143,000 | 20,398,000 | 20,564,000 | 20,502,000 |
| Total capital | 20,686,000 | 20,947,000 | 21,073,000 | 20,983,000 |
| Risk-weighted assets | 89,745,000 | 88,082,000 | 92,739,000 | 94,822,000 |
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