Call reports 2004
FBT BANK & MORTGAGE — 2004
What FBT BANK & MORTGAGE 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 | 90,019,000 | 90,987,000 | 92,779,000 | 92,094,000 |
| Total loans | 61,401,000 | 62,557,000 | 63,770,000 | 62,478,000 |
| Allowance for loan losses | 603,000 | 672,000 | 669,000 | 927,000 |
| Securities available for sale | 19,571,000 | 20,219,000 | 19,998,000 | 19,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,716,000 | 72,860,000 | 74,205,000 | 73,835,000 |
| Interest-bearing deposits | 59,823,000 | 60,528,000 | 61,424,000 | 60,728,000 |
| Noninterest-bearing deposits | 11,893,000 | 12,332,000 | 12,781,000 | 13,107,000 |
| Equity capital | 7,490,000 | 7,457,000 | 8,085,000 | 7,655,000 |
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 | 1,220,000 | 2,483,000 | 3,778,000 | 5,094,000 |
| Interest expense | 324,000 | 662,000 | 1,007,000 | 1,366,000 |
| Net interest income | 896,000 | 1,821,000 | 2,771,000 | 3,728,000 |
| Noninterest income | 224,000 | 453,000 | 675,000 | 781,000 |
| Noninterest expense | 692,000 | 1,421,000 | 2,191,000 | 2,886,000 |
| Provision for loan losses | 0 | 0 | 0 | 300,000 |
| Pretax income | 428,000 | 853,000 | 1,255,000 | 1,336,000 |
| Income tax | 83,000 | 166,000 | 244,000 | 427,000 |
| Net income | 345,000 | 687,000 | 1,011,000 | 909,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,401,000 | 7,742,000 | 8,066,000 | 7,664,000 |
| Total capital | 8,004,000 | 8,414,000 | 8,735,000 | 8,431,000 |
| Risk-weighted assets | 61,476,000 | 60,473,000 | 61,658,000 | 61,212,000 |