Call reports 2004
NCW COMMUNITY BANK — 2004
What NCW 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 | 58,694,000 | 55,301,000 | 59,440,000 | 58,826,000 |
| Total loans | 38,302,000 | 42,017,000 | 45,011,000 | 47,433,000 |
| Allowance for loan losses | 473,000 | 506,000 | 515,000 | 757,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,699,000 | 4,699,000 | 4,699,000 | 4,700,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,737,000 | 50,255,000 | 54,198,000 | 51,187,000 |
| Interest-bearing deposits | 46,417,000 | 45,035,000 | 47,708,000 | 46,093,000 |
| Noninterest-bearing deposits | 7,320,000 | 5,220,000 | 6,490,000 | 5,094,000 |
| Equity capital | 4,796,000 | 4,901,000 | 5,044,000 | 5,208,000 |
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 | 728,000 | 1,505,000 | 2,358,000 | 3,288,000 |
| Interest expense | 231,000 | 473,000 | 724,000 | 992,000 |
| Net interest income | 497,000 | 1,032,000 | 1,634,000 | 2,296,000 |
| Noninterest income | 30,000 | 62,000 | 91,000 | 126,000 |
| Noninterest expense | 431,000 | 869,000 | 1,329,000 | 1,827,000 |
| Provision for loan losses | 33,000 | 66,000 | 99,000 | 341,000 |
| Pretax income | 63,000 | 159,000 | 297,000 | 254,000 |
| Income tax | 2,000 | 2,000 | 0 | -207,000 |
| Net income | 61,000 | 157,000 | 297,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,796,000 | 4,901,000 | 5,044,000 | 5,208,000 |
| Total capital | 5,269,000 | 5,407,000 | 5,559,000 | 5,834,000 |
| Risk-weighted assets | 41,829,000 | 44,446,000 | 48,466,000 | 50,028,000 |