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 | 374,933,000 | 370,401,000 | 270,113,000 | 263,178,000 |
| Total loans | 274,786,000 | 261,109,000 | 209,717,000 | 205,973,000 |
| Allowance for loan losses | 2,803,000 | 3,488,000 | 3,411,000 | 3,663,000 |
| Securities available for sale | 39,190,000 | 35,890,000 | 35,329,000 | 33,752,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 341,161,000 | 338,728,000 | 225,920,000 | 217,527,000 |
| Interest-bearing deposits | 300,424,000 | 295,769,000 | 193,689,000 | 187,064,000 |
| Noninterest-bearing deposits | 40,737,000 | 42,959,000 | 32,231,000 | 30,463,000 |
| Equity capital | 27,669,000 | 27,087,000 | 29,705,000 | 29,482,000 |
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 | 5,568,000 | 10,976,000 | 15,962,000 | 20,183,000 |
| Interest expense | 2,049,000 | 3,890,000 | 5,398,000 | 6,686,000 |
| Net interest income | 3,519,000 | 7,086,000 | 10,564,000 | 13,497,000 |
| Noninterest income | 509,000 | 1,016,000 | 5,203,000 | 5,773,000 |
| Noninterest expense | 2,951,000 | 6,028,000 | 8,883,000 | 11,718,000 |
| Provision for loan losses | 350,000 | 1,150,000 | 1,275,000 | 1,650,000 |
| Pretax income | 739,000 | 936,000 | 5,621,000 | 5,914,000 |
| Income tax | 212,000 | 235,000 | 2,933,000 | 3,319,000 |
| Net income | 527,000 | 701,000 | 2,688,000 | 2,595,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,337,000 | 23,511,000 | 29,809,000 | 29,716,000 |
| Total capital | 26,140,000 | 26,999,000 | 32,753,000 | 32,600,000 |
| Risk-weighted assets | 302,798,000 | 293,130,000 | 235,030,000 | 229,901,000 |