Call reports 2004
ACB BANK — 2004
What ACB 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 | 29,605,000 | 30,116,000 | 32,613,000 | 32,071,000 |
| Total loans | 22,921,000 | 23,097,000 | 24,756,000 | 26,079,000 |
| Allowance for loan losses | 335,000 | 334,000 | 353,000 | 354,000 |
| Securities available for sale | 3,171,000 | 3,129,000 | 3,307,000 | 3,277,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,536,000 | 23,059,000 | 24,585,000 | 23,612,000 |
| Interest-bearing deposits | 20,604,000 | 20,746,000 | 22,452,000 | 21,885,000 |
| Noninterest-bearing deposits | 1,932,000 | 2,313,000 | 2,133,000 | 1,727,000 |
| Equity capital | 2,893,000 | 3,009,000 | 3,035,000 | 2,996,000 |
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 | 437,000 | 874,000 | 1,341,000 | 1,851,000 |
| Interest expense | 163,000 | 322,000 | 492,000 | 671,000 |
| Net interest income | 274,000 | 552,000 | 849,000 | 1,180,000 |
| Noninterest income | 61,000 | 235,000 | 463,000 | 507,000 |
| Noninterest expense | 170,000 | 345,000 | 569,000 | 835,000 |
| Provision for loan losses | 30,000 | 60,000 | 175,000 | 225,000 |
| Pretax income | 135,000 | 382,000 | 568,000 | 627,000 |
| Income tax | 69,000 | 69,000 | 69,000 | 69,000 |
| Net income | 66,000 | 313,000 | 499,000 | 558,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,875,000 | 3,018,000 | 3,025,000 | 3,000,000 |
| Total capital | 3,167,000 | 3,315,000 | 3,351,000 | 3,340,000 |
| Risk-weighted assets | 23,287,000 | 23,722,000 | 26,103,000 | 27,195,000 |