Call reports 2004
LEADERS BANK, THE — 2004
What LEADERS 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 | 160,851,000 | 184,668,000 | 220,001,000 | 242,184,000 |
| Total loans | 136,296,000 | 164,526,000 | 178,956,000 | 202,392,000 |
| Allowance for loan losses | 1,433,000 | 1,722,000 | 1,929,000 | 2,125,000 |
| Securities available for sale | 12,753,000 | 14,742,000 | 15,366,000 | 21,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,278,000 | 157,066,000 | 195,977,000 | 214,248,000 |
| Interest-bearing deposits | 126,085,000 | 144,802,000 | 181,626,000 | 196,598,000 |
| Noninterest-bearing deposits | 11,193,000 | 12,263,000 | 14,351,000 | 17,649,000 |
| Equity capital | 19,302,000 | 19,151,000 | 17,313,000 | 19,501,000 |
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 | 1,744,000 | 3,719,000 | 6,123,000 | 8,977,000 |
| Interest expense | 651,000 | 1,387,000 | 2,411,000 | 3,618,000 |
| Net interest income | 1,093,000 | 2,332,000 | 3,712,000 | 5,359,000 |
| Noninterest income | 123,000 | 250,000 | 382,000 | 489,000 |
| Noninterest expense | 840,000 | 1,931,000 | 2,964,000 | 4,079,000 |
| Provision for loan losses | 115,000 | 404,000 | 3,636,000 | 3,832,000 |
| Pretax income | 261,000 | 247,000 | -2,633,000 | -2,191,000 |
| Income tax | 95,000 | 75,000 | -459,000 | -300,000 |
| Net income | 166,000 | 172,000 | -2,174,000 | -1,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,304,000 | 19,305,000 | 17,337,000 | 19,596,000 |
| Total capital | 20,737,000 | 21,027,000 | 19,266,000 | 21,722,000 |
| Risk-weighted assets | 139,945,000 | 172,837,000 | 192,038,000 | 214,272,000 |