Call reports 2004
SMALL BUSINESS BANK — 2004
What SMALL BUSINESS 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 | 79,562,000 | 82,433,000 | 83,105,000 | 88,232,000 |
| Total loans | 59,252,000 | 61,561,000 | 64,624,000 | 65,809,000 |
| Allowance for loan losses | 514,000 | 535,000 | 573,000 | 591,000 |
| Securities available for sale | 10,127,000 | 9,969,000 | 9,524,000 | 13,034,000 |
| Securities held to maturity | 1,893,000 | 1,889,000 | 1,636,000 | 1,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,785,000 | 69,838,000 | 62,374,000 | 64,015,000 |
| Interest-bearing deposits | 56,170,000 | 55,901,000 | 51,396,000 | 52,631,000 |
| Noninterest-bearing deposits | 10,615,000 | 13,937,000 | 10,978,000 | 11,384,000 |
| Equity capital | 5,432,000 | 5,638,000 | 6,250,000 | 6,300,000 |
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 | 1,017,000 | 2,053,000 | 3,168,000 | 4,352,000 |
| Interest expense | 270,000 | 539,000 | 846,000 | 1,171,000 |
| Net interest income | 747,000 | 1,514,000 | 2,322,000 | 3,181,000 |
| Noninterest income | 204,000 | 436,000 | 729,000 | 963,000 |
| Noninterest expense | 999,000 | 1,922,000 | 2,819,000 | 3,767,000 |
| Provision for loan losses | 148,000 | 173,000 | 237,000 | 278,000 |
| Pretax income | -180,000 | -129,000 | 26,000 | 131,000 |
| Income tax | 0 | 0 | 0 | 9,000 |
| Net income | -180,000 | -129,000 | 26,000 | 122,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,159,000 | 5,461,000 | 6,016,000 | 6,113,000 |
| Total capital | 5,673,000 | 5,996,000 | 6,589,000 | 6,704,000 |
| Risk-weighted assets | 56,711,000 | 59,729,000 | 62,208,000 | 63,811,000 |