Call reports 2004
CENTRAL BANK — 2004
What CENTRAL 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 | 55,125,000 | 56,289,000 | 56,168,000 | 55,500,000 |
| Total loans | 22,561,000 | 22,505,000 | 23,409,000 | 23,260,000 |
| Allowance for loan losses | 421,000 | 379,000 | 411,000 | 416,000 |
| Securities available for sale | 12,076,000 | 12,192,000 | 11,117,000 | 10,872,000 |
| Securities held to maturity | 15,525,000 | 16,291,000 | 16,742,000 | 16,084,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,298,000 | 48,669,000 | 47,690,000 | 48,626,000 |
| Interest-bearing deposits | 41,355,000 | 41,688,000 | 40,714,000 | 41,150,000 |
| Noninterest-bearing deposits | 6,942,000 | 6,982,000 | 6,976,000 | 7,476,000 |
| Equity capital | 4,440,000 | 4,236,000 | 4,496,000 | 4,486,000 |
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 | 659,000 | 1,326,000 | 2,005,000 | 2,683,000 |
| Interest expense | 125,000 | 263,000 | 416,000 | 583,000 |
| Net interest income | 534,000 | 1,063,000 | 1,589,000 | 2,100,000 |
| Noninterest income | 97,000 | 183,000 | 299,000 | 394,000 |
| Noninterest expense | 515,000 | 1,037,000 | 1,555,000 | 2,131,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 128,000 | 241,000 | 363,000 | 378,000 |
| Income tax | 33,000 | 56,000 | 74,000 | 38,000 |
| Net income | 95,000 | 185,000 | 289,000 | 340,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,362,000 | 4,421,000 | 4,525,000 | 4,541,000 |
| Total capital | 4,630,000 | 4,706,000 | 4,828,000 | 4,838,000 |
| Risk-weighted assets | 22,090,000 | 23,256,000 | 24,151,000 | 24,295,000 |