Call reports 2004
CALUMET COUNTY BANK — 2004
What CALUMET COUNTY 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 | 58,952,000 | 60,604,000 | 61,266,000 | 66,006,000 |
| Total loans | 38,622,000 | 37,800,000 | 38,643,000 | 38,564,000 |
| Allowance for loan losses | 602,000 | 512,000 | 529,000 | 299,000 |
| Securities available for sale | 16,689,000 | 17,049,000 | 17,983,000 | 18,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,875,000 | 53,628,000 | 54,022,000 | 58,851,000 |
| Interest-bearing deposits | 44,368,000 | 44,934,000 | 43,962,000 | 49,352,000 |
| Noninterest-bearing deposits | 7,507,000 | 8,694,000 | 10,060,000 | 9,499,000 |
| Equity capital | 6,799,000 | 6,653,000 | 6,863,000 | 6,889,000 |
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 | 711,000 | 1,452,000 | 2,194,000 | 2,948,000 |
| Interest expense | 179,000 | 354,000 | 534,000 | 729,000 |
| Net interest income | 532,000 | 1,098,000 | 1,660,000 | 2,219,000 |
| Noninterest income | 67,000 | 135,000 | 190,000 | 248,000 |
| Noninterest expense | 414,000 | 826,000 | 1,241,000 | 1,683,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 170,000 | 394,000 | 581,000 | 741,000 |
| Income tax | 35,000 | 91,000 | 133,000 | 165,000 |
| Net income | 135,000 | 303,000 | 448,000 | 576,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,643,000 | 6,755,000 | 6,844,000 | 6,916,000 |
| Total capital | 7,145,000 | 7,242,000 | 7,349,000 | 7,215,000 |
| Risk-weighted assets | 40,100,000 | 38,951,000 | 40,341,000 | 42,462,000 |