Call reports 2004
HEIGHTS BANK, THE — 2004
What HEIGHTS 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 | 37,915,000 | 37,286,000 | 36,585,000 | 39,184,000 |
| Total loans | 30,558,000 | 30,350,000 | 31,291,000 | 31,716,000 |
| Allowance for loan losses | 645,000 | 683,000 | 695,000 | 658,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,102,000 | 3,081,000 | 3,066,000 | 3,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,452,000 | 30,301,000 | 29,387,000 | 32,052,000 |
| Interest-bearing deposits | 25,451,000 | 24,865,000 | 24,628,000 | 27,530,000 |
| Noninterest-bearing deposits | 5,001,000 | 5,436,000 | 4,759,000 | 4,522,000 |
| Equity capital | 4,154,000 | 3,946,000 | 4,012,000 | 4,041,000 |
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 | 569,000 | 1,107,000 | 1,673,000 | 2,251,000 |
| Interest expense | 130,000 | 268,000 | 394,000 | 524,000 |
| Net interest income | 439,000 | 839,000 | 1,279,000 | 1,727,000 |
| Noninterest income | 44,000 | 95,000 | 140,000 | 198,000 |
| Noninterest expense | 221,000 | 460,000 | 674,000 | 931,000 |
| Provision for loan losses | 45,000 | 90,000 | 120,000 | 165,000 |
| Pretax income | 217,000 | 384,000 | 625,000 | 829,000 |
| Income tax | 14,000 | 14,000 | 14,000 | 14,000 |
| Net income | 203,000 | 370,000 | 611,000 | 815,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,154,000 | 3,946,000 | 4,012,000 | 4,041,000 |
| Total capital | 4,429,000 | 4,220,000 | 4,289,000 | 4,322,000 |
| Risk-weighted assets | 21,675,000 | 21,504,000 | 21,722,000 | 22,065,000 |