Call reports 2004
NECEDAH BANK, THE — 2004
What NECEDAH 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 | 36,363,000 | 36,899,000 | 36,806,000 | 37,564,000 |
| Total loans | 18,879,000 | 19,893,000 | 21,197,000 | 22,120,000 |
| Allowance for loan losses | 224,000 | 230,000 | 232,000 | 241,000 |
| Securities available for sale | 12,033,000 | 9,613,000 | 9,761,000 | 9,611,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,679,000 | 28,147,000 | 28,194,000 | 28,648,000 |
| Interest-bearing deposits | 23,902,000 | 22,770,000 | 23,208,000 | 24,416,000 |
| Noninterest-bearing deposits | 3,777,000 | 5,377,000 | 4,986,000 | 4,232,000 |
| Equity capital | 6,163,000 | 6,092,000 | 6,279,000 | 6,327,000 |
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 | 373,000 | 812,000 | 1,211,000 | 1,637,000 |
| Interest expense | 116,000 | 214,000 | 328,000 | 446,000 |
| Net interest income | 257,000 | 598,000 | 883,000 | 1,191,000 |
| Noninterest income | 43,000 | 88,000 | 133,000 | 174,000 |
| Noninterest expense | 256,000 | 471,000 | 689,000 | 915,000 |
| Provision for loan losses | 0 | 13,000 | 13,000 | 26,000 |
| Pretax income | 44,000 | 224,000 | 336,000 | 446,000 |
| Income tax | 11,000 | 50,000 | 72,000 | 99,000 |
| Net income | 33,000 | 174,000 | 264,000 | 347,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,484,000 | 3,631,000 | 3,703,000 | 3,793,000 |
| Total capital | 3,708,000 | 3,861,000 | 3,935,000 | 4,034,000 |
| Risk-weighted assets | 23,271,000 | 24,840,000 | 25,431,000 | 26,287,000 |