Call reports 2004
JOHN WARNER BANK, THE — 2004
What JOHN WARNER BANK, THE 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 | 96,081,000 | 92,514,000 | 93,907,000 | 96,300,000 |
| Total loans | 40,472,000 | 40,043,000 | 47,606,000 | 44,560,000 |
| Allowance for loan losses | 640,000 | 635,000 | 630,000 | 630,000 |
| Securities available for sale | 36,443,000 | 39,736,000 | 35,819,000 | 41,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,575,000 | 74,091,000 | 73,976,000 | 73,255,000 |
| Interest-bearing deposits | 61,987,000 | 62,124,000 | 59,950,000 | 57,003,000 |
| Noninterest-bearing deposits | 13,588,000 | 11,967,000 | 14,026,000 | 16,252,000 |
| Equity capital | 10,346,000 | 8,907,000 | 9,439,000 | 9,506,000 |
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 | 993,000 | 2,000,000 | 3,086,000 | 4,148,000 |
| Interest expense | 238,000 | 460,000 | 685,000 | 926,000 |
| Net interest income | 755,000 | 1,540,000 | 2,401,000 | 3,222,000 |
| Noninterest income | 201,000 | 362,000 | 504,000 | 701,000 |
| Noninterest expense | 614,000 | 1,220,000 | 1,866,000 | 2,638,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 342,000 | 682,000 | 1,039,000 | 1,264,000 |
| Income tax | 120,000 | 236,000 | 357,000 | 426,000 |
| Net income | 222,000 | 446,000 | 682,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,260,000 | 4,619,000 | 4,838,000 | 5,026,000 |
| Total capital | 5,813,000 | 5,176,000 | 5,471,000 | 5,634,000 |
| Risk-weighted assets | 44,128,000 | 44,493,000 | 50,724,000 | 48,627,000 |