Call reports 2004
EVERGREEN NATIONAL BANK — 2004
What EVERGREEN NATIONAL 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 | 77,696,000 | 78,292,000 | 74,515,000 | 76,839,000 |
| Total loans | 33,084,000 | 35,760,000 | 36,854,000 | 35,560,000 |
| Allowance for loan losses | 479,000 | 452,000 | 463,000 | 461,000 |
| Securities available for sale | 2,293,000 | 2,243,000 | 2,243,000 | 2,259,000 |
| Securities held to maturity | 22,895,000 | 23,785,000 | 23,639,000 | 20,640,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,763,000 | 71,434,000 | 67,649,000 | 69,962,000 |
| Interest-bearing deposits | 42,964,000 | 38,300,000 | 46,905,000 | 38,340,000 |
| Noninterest-bearing deposits | 27,799,000 | 33,134,000 | 20,744,000 | 31,622,000 |
| Equity capital | 6,477,000 | 6,510,000 | 6,534,000 | 6,527,000 |
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 | 809,000 | 1,638,000 | 2,497,000 | 3,389,000 |
| Interest expense | 133,000 | 261,000 | 399,000 | 554,000 |
| Net interest income | 676,000 | 1,377,000 | 2,098,000 | 2,835,000 |
| Noninterest income | 215,000 | 432,000 | 643,000 | 856,000 |
| Noninterest expense | 691,000 | 1,382,000 | 2,086,000 | 2,855,000 |
| Provision for loan losses | 0 | 0 | 72,000 | 203,000 |
| Pretax income | 200,000 | 427,000 | 583,000 | 633,000 |
| Income tax | 71,000 | 154,000 | 211,000 | 203,000 |
| Net income | 129,000 | 273,000 | 372,000 | 430,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,474,000 | 6,531,000 | 6,555,000 | 6,527,000 |
| Total capital | 7,007,000 | 6,983,000 | 7,018,000 | 6,988,000 |
| Risk-weighted assets | 42,667,000 | 44,498,000 | 44,173,000 | 43,289,000 |