Call reports 2004
FIRST CITY BANK — 2004
What FIRST CITY 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 |
|---|---|---|---|
| Total assets | 191,795,000 | 187,217,000 | 185,618,000 |
| Total loans | 99,954,000 | 99,964,000 | 101,400,000 |
| Allowance for loan losses | 1,464,000 | 1,464,000 | 1,464,000 |
| Securities available for sale | 67,634,000 | 69,745,000 | 71,241,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 172,139,000 | 168,283,000 | 166,716,000 |
| Interest-bearing deposits | 148,110,000 | 142,395,000 | 140,489,000 |
| Noninterest-bearing deposits | 24,029,000 | 25,888,000 | 26,228,000 |
| Equity capital | 14,188,000 | 13,072,000 | 14,495,000 |
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 |
|---|---|---|---|
| Interest income | 2,303,000 | 4,592,000 | 6,913,000 |
| Interest expense | 641,000 | 1,253,000 | 1,860,000 |
| Net interest income | 1,662,000 | 3,339,000 | 5,053,000 |
| Noninterest income | 115,000 | 199,000 | 302,000 |
| Noninterest expense | 1,219,000 | 2,387,000 | 3,667,000 |
| Provision for loan losses | 113,000 | 113,000 | 113,000 |
| Pretax income | 588,000 | 1,191,000 | 1,728,000 |
| Income tax | 168,000 | 359,000 | 508,000 |
| Net income | 420,000 | 832,000 | 1,220,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 13,891,000 | 14,247,000 | 14,578,000 |
| Total capital | 15,265,000 | 15,624,000 | 15,948,000 |
| Risk-weighted assets | 109,654,000 | 110,093,000 | 109,542,000 |