Call reports 2004
FALLS BANK — 2004
What FALLS 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 | 74,455,000 | 79,801,000 | 80,792,000 | 83,629,000 |
| Total loans | 64,140,000 | 67,452,000 | 66,968,000 | 70,746,000 |
| Allowance for loan losses | 581,000 | 581,000 | 581,000 | 581,000 |
| Securities available for sale | 3,742,000 | 3,762,000 | 3,605,000 | 3,399,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,349,000 | 49,518,000 | 49,770,000 | 51,806,000 |
| Interest-bearing deposits | 43,453,000 | 46,866,000 | 47,635,000 | 49,493,000 |
| Noninterest-bearing deposits | 1,896,000 | 2,652,000 | 2,135,000 | 2,313,000 |
| Equity capital | 7,347,000 | 7,387,000 | 7,489,000 | 7,635,000 |
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 | 923,000 | 1,893,000 | 2,877,000 | 3,909,000 |
| Interest expense | 425,000 | 868,000 | 1,361,000 | 1,871,000 |
| Net interest income | 498,000 | 1,025,000 | 1,516,000 | 2,038,000 |
| Noninterest income | 52,000 | 172,000 | 354,000 | 671,000 |
| Noninterest expense | 540,000 | 1,041,000 | 1,607,000 | 2,203,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 10,000 | 156,000 | 263,000 | 506,000 |
| Income tax | 3,000 | 53,000 | 89,000 | 172,000 |
| Net income | 7,000 | 103,000 | 174,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,299,000 | 7,395,000 | 7,466,000 | 7,624,000 |
| Total capital | 7,882,000 | 7,976,000 | 8,047,000 | 8,205,000 |
| Risk-weighted assets | 46,962,000 | 48,350,000 | 48,849,000 | 51,657,000 |