Call reports 2004
CROSSBRIDGE COMMUNITY BANK — 2004
What CROSSBRIDGE COMMUNITY 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 | 74,715,000 | 74,833,000 | 75,543,000 | 77,161,000 |
| Total loans | 41,738,000 | 42,208,000 | 43,082,000 | 43,149,000 |
| Allowance for loan losses | 290,000 | 261,000 | 289,000 | 288,000 |
| Securities available for sale | 19,503,000 | 11,464,000 | 11,396,000 | 13,375,000 |
| Securities held to maturity | 0 | 8,508,000 | 8,808,000 | 7,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,351,000 | 58,715,000 | 59,239,000 | 61,572,000 |
| Interest-bearing deposits | 52,881,000 | 53,396,000 | 53,484,000 | 56,558,000 |
| Noninterest-bearing deposits | 4,470,000 | 5,320,000 | 5,755,000 | 5,014,000 |
| Equity capital | 8,776,000 | 8,809,000 | 8,988,000 | 9,124,000 |
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 | 902,000 | 1,747,000 | 2,651,000 | 3,535,000 |
| Interest expense | 250,000 | 490,000 | 735,000 | 987,000 |
| Net interest income | 652,000 | 1,257,000 | 1,916,000 | 2,548,000 |
| Noninterest income | 169,000 | 319,000 | 433,000 | 605,000 |
| Noninterest expense | 667,000 | 1,265,000 | 1,842,000 | 2,374,000 |
| Provision for loan losses | 3,000 | 3,000 | 3,000 | 6,000 |
| Pretax income | 151,000 | 308,000 | 504,000 | 773,000 |
| Income tax | 60,000 | 115,000 | 189,000 | 298,000 |
| Net income | 91,000 | 193,000 | 315,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,763,000 | 8,865,000 | 8,987,000 | 9,147,000 |
| Total capital | 9,053,000 | 9,126,000 | 9,276,000 | 9,435,000 |
| Risk-weighted assets | 40,591,000 | 42,200,000 | 57,724,000 | 44,571,000 |