Call reports 2004
MY BANK — 2004
What MY 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 | 102,490,000 | 106,699,000 | 107,546,000 | 111,992,000 |
| Total loans | 76,997,000 | 78,972,000 | 78,307,000 | 81,037,000 |
| Allowance for loan losses | 863,000 | 925,000 | 1,036,000 | 1,027,000 |
| Securities available for sale | 11,557,000 | 12,261,000 | 12,625,000 | 17,246,000 |
| Securities held to maturity | 2,822,000 | 2,905,000 | 2,535,000 | 3,197,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,265,000 | 89,932,000 | 90,774,000 | 94,770,000 |
| Interest-bearing deposits | 71,023,000 | 73,667,000 | 74,175,000 | 76,711,000 |
| Noninterest-bearing deposits | 15,242,000 | 16,265,000 | 16,599,000 | 18,059,000 |
| Equity capital | 8,270,000 | 9,194,000 | 9,538,000 | 9,675,000 |
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 | 1,588,000 | 3,187,000 | 4,813,000 | 6,501,000 |
| Interest expense | 321,000 | 640,000 | 962,000 | 1,298,000 |
| Net interest income | 1,267,000 | 2,547,000 | 3,851,000 | 5,203,000 |
| Noninterest income | 395,000 | 804,000 | 1,246,000 | 1,751,000 |
| Noninterest expense | 1,260,000 | 2,543,000 | 3,804,000 | 5,080,000 |
| Provision for loan losses | 75,000 | 150,000 | 343,000 | 588,000 |
| Pretax income | 327,000 | 658,000 | 950,000 | 1,286,000 |
| Income tax | 111,000 | 224,000 | 322,000 | 433,000 |
| Net income | 216,000 | 434,000 | 628,000 | 853,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,194,000 | 9,319,000 | 9,513,000 | 9,729,000 |
| Total capital | 9,057,000 | 10,244,000 | 10,502,000 | 10,756,000 |
| Risk-weighted assets | 77,568,000 | 80,126,000 | 79,057,000 | 83,229,000 |