Call reports 2004
CARSON BANK — 2004
What CARSON 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 | 68,248,000 | 67,997,000 | 67,440,000 | 67,215,000 |
| Total loans | 31,622,000 | 35,106,000 | 35,226,000 | 37,714,000 |
| Allowance for loan losses | 397,000 | 423,000 | 451,000 | 487,000 |
| Securities available for sale | 24,787,000 | 24,624,000 | 25,041,000 | 23,052,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,295,000 | 60,345,000 | 59,482,000 | 59,386,000 |
| Interest-bearing deposits | 49,452,000 | 48,468,000 | 46,869,000 | 47,895,000 |
| Noninterest-bearing deposits | 10,843,000 | 11,877,000 | 12,613,000 | 11,491,000 |
| Equity capital | 7,825,000 | 7,554,000 | 7,816,000 | 7,747,000 |
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 | 745,000 | 1,521,000 | 2,312,000 | 3,123,000 |
| Interest expense | 145,000 | 280,000 | 416,000 | 552,000 |
| Net interest income | 600,000 | 1,241,000 | 1,896,000 | 2,571,000 |
| Noninterest income | 166,000 | 358,000 | 513,000 | 673,000 |
| Noninterest expense | 579,000 | 1,106,000 | 1,707,000 | 2,358,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 142,000 | 397,000 | 561,000 | 700,000 |
| Income tax | 5,000 | 16,000 | 23,000 | 30,000 |
| Net income | 137,000 | 381,000 | 538,000 | 670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,625,000 | 7,669,000 | 7,825,000 | 7,857,000 |
| Total capital | 8,022,000 | 8,092,000 | 8,276,000 | 8,344,000 |
| Risk-weighted assets | 37,539,000 | 40,244,000 | 40,221,000 | 41,660,000 |