Call reports 2004
FELTON BANK, THE — 2004
What FELTON 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 | 52,726,000 | 60,726,000 | 61,068,000 | 63,225,000 |
| Total loans | 38,101,000 | 42,516,000 | 47,906,000 | 50,364,000 |
| Allowance for loan losses | 426,000 | 436,000 | 452,000 | 473,000 |
| Securities available for sale | 10,234,000 | 9,228,000 | 6,701,000 | 6,430,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,795,000 | 53,280,000 | 53,283,000 | 55,353,000 |
| Interest-bearing deposits | 40,091,000 | 43,157,000 | 43,496,000 | 45,446,000 |
| Noninterest-bearing deposits | 8,704,000 | 10,123,000 | 9,787,000 | 9,907,000 |
| Equity capital | 3,617,000 | 6,988,000 | 7,311,000 | 7,456,000 |
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 | 792,000 | 766,000 | 1,627,000 | 2,549,000 |
| Interest expense | 192,000 | 176,000 | 361,000 | 574,000 |
| Net interest income | 600,000 | 590,000 | 1,266,000 | 1,975,000 |
| Noninterest income | 64,000 | 85,000 | 160,000 | 238,000 |
| Noninterest expense | 476,000 | 456,000 | 923,000 | 1,443,000 |
| Provision for loan losses | 20,000 | 10,000 | 25,000 | 46,000 |
| Pretax income | 241,000 | 209,000 | 466,000 | 713,000 |
| Income tax | 89,000 | 79,000 | 175,000 | 266,000 |
| Net income | 152,000 | 130,000 | 291,000 | 447,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,415,000 | 3,838,000 | 3,780,000 | 3,967,000 |
| Total capital | 3,865,000 | 4,304,000 | 4,264,000 | 4,478,000 |
| Risk-weighted assets | 36,006,000 | 39,315,000 | 41,931,000 | 49,033,000 |