Call reports 2004
FREEDOM BANK OF SOUTHERN MISSOURI — 2004
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 51,875,000 | 50,552,000 | 54,959,000 | 58,462,000 |
| Total loans | 39,710,000 | 41,392,000 | 47,666,000 | 49,793,000 |
| Allowance for loan losses | 508,000 | 525,000 | 545,000 | 639,000 |
| Securities available for sale | 5,466,000 | 5,020,000 | 4,785,000 | 5,035,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 47,580,000 | 46,109,000 | 48,857,000 | 52,631,000 |
| Interest-bearing deposits | 42,638,000 | 41,694,000 | 44,424,000 | 47,452,000 |
| Noninterest-bearing deposits | 4,942,000 | 4,415,000 | 4,433,000 | 5,179,000 |
| Equity capital | 4,035,000 | 4,166,000 | 4,426,000 | 4,465,000 |
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 | 786,000 | 1,589,000 | 2,448,000 | 3,390,000 |
| Interest expense | 189,000 | 384,000 | 594,000 | 852,000 |
| Net interest income | 597,000 | 1,205,000 | 1,854,000 | 2,538,000 |
| Noninterest income | 100,000 | 199,000 | 296,000 | 416,000 |
| Noninterest expense | 327,000 | 682,000 | 1,057,000 | 1,450,000 |
| Provision for loan losses | 28,000 | 53,000 | 140,000 | 250,000 |
| Pretax income | 342,000 | 669,000 | 953,000 | 1,254,000 |
| Income tax | 121,000 | 234,000 | 337,000 | 432,000 |
| Net income | 221,000 | 435,000 | 616,000 | 822,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,022,000 | 4,236,000 | 4,417,000 | 4,473,000 |
| Total capital | 4,485,000 | 4,708,000 | 4,959,000 | 5,063,000 |
| Risk-weighted assets | 37,014,000 | 37,697,000 | 43,385,000 | 47,168,000 |