Call reports 2004
ADVANTAGE BANK — 2004
What ADVANTAGE 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 | 163,592,000 | 175,058,000 | 195,075,000 | 203,979,000 |
| Total loans | 146,796,000 | 154,941,000 | 175,051,000 | 186,806,000 |
| Allowance for loan losses | 1,520,000 | 1,629,000 | 1,815,000 | 1,905,000 |
| Securities available for sale | 2,488,000 | 2,864,000 | 2,835,000 | 3,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,186,000 | 147,085,000 | 167,567,000 | 177,623,000 |
| Interest-bearing deposits | 126,514,000 | 134,811,000 | 154,599,000 | 166,082,000 |
| Noninterest-bearing deposits | 9,672,000 | 12,274,000 | 12,968,000 | 11,541,000 |
| Equity capital | 18,722,000 | 19,100,000 | 19,590,000 | 19,774,000 |
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 | 2,809,000 | 5,786,000 | 9,176,000 | 12,683,000 |
| Interest expense | 802,000 | 1,649,000 | 2,590,000 | 3,670,000 |
| Net interest income | 2,007,000 | 4,137,000 | 6,586,000 | 9,013,000 |
| Noninterest income | 27,000 | 53,000 | 82,000 | 113,000 |
| Noninterest expense | 1,356,000 | 2,767,000 | 4,295,000 | 5,953,000 |
| Provision for loan losses | 160,000 | 272,000 | 458,000 | 548,000 |
| Pretax income | 518,000 | 1,151,000 | 1,915,000 | 2,625,000 |
| Income tax | 194,000 | 430,000 | 719,000 | 986,000 |
| Net income | 324,000 | 721,000 | 1,196,000 | 1,639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,717,000 | 19,115,000 | 19,590,000 | 19,784,000 |
| Total capital | 20,237,000 | 20,744,000 | 21,405,000 | 21,689,000 |
| Risk-weighted assets | 147,900,000 | 164,382,000 | 189,532,000 | 198,967,000 |