Call reports 2004
NORCROWN BANK — 2004
What NORCROWN 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 | 607,074,000 | 621,966,000 | 603,623,000 | 633,944,000 |
| Total loans | 499,859,000 | 484,583,000 | 461,213,000 | 448,168,000 |
| Allowance for loan losses | 5,870,000 | 5,932,000 | 5,996,000 | 5,996,000 |
| Securities available for sale | 46,324,000 | 46,160,000 | 41,372,000 | 35,108,000 |
| Securities held to maturity | 2,961,000 | 2,886,000 | 2,833,000 | 2,798,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 541,017,000 | 553,173,000 | 520,375,000 | 550,015,000 |
| Interest-bearing deposits | 432,264,000 | 417,304,000 | 404,871,000 | 434,109,000 |
| Noninterest-bearing deposits | 108,753,000 | 135,869,000 | 115,504,000 | 115,906,000 |
| Equity capital | 43,869,000 | 44,438,000 | 46,529,000 | 47,264,000 |
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 | 8,793,000 | 17,754,000 | 26,333,000 | 34,847,000 |
| Interest expense | 2,376,000 | 4,555,000 | 6,545,000 | 8,852,000 |
| Net interest income | 6,417,000 | 13,199,000 | 19,788,000 | 25,995,000 |
| Noninterest income | 275,000 | 542,000 | 869,000 | 1,092,000 |
| Noninterest expense | 4,120,000 | 8,649,000 | 12,941,000 | 18,018,000 |
| Provision for loan losses | 150,000 | 300,000 | 400,000 | 400,000 |
| Pretax income | 2,422,000 | 4,792,000 | 7,316,000 | 8,669,000 |
| Income tax | 908,000 | 1,840,000 | 2,872,000 | 3,400,000 |
| Net income | 1,514,000 | 2,952,000 | 4,444,000 | 5,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,762,000 | 44,144,000 | 45,679,000 | 46,502,000 |
| Total capital | 48,064,000 | 49,382,000 | 50,739,000 | 51,604,000 |
| Risk-weighted assets | 423,626,000 | 418,340,000 | 403,880,000 | 407,229,000 |