Call reports 2004
INBANK — 2004
What INBANK 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 | 159,724,000 | 158,450,000 | 160,253,000 | 167,053,000 |
| Total loans | 115,635,000 | 119,009,000 | 119,750,000 | 126,481,000 |
| Allowance for loan losses | 1,544,000 | 1,538,000 | 1,541,000 | 1,508,000 |
| Securities available for sale | 29,534,000 | 29,090,000 | 29,217,000 | 29,594,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,795,000 | 140,745,000 | 141,022,000 | 143,530,000 |
| Interest-bearing deposits | 119,782,000 | 115,119,000 | 111,702,000 | 117,004,000 |
| Noninterest-bearing deposits | 25,013,000 | 25,626,000 | 29,320,000 | 26,526,000 |
| Equity capital | 14,158,000 | 14,080,000 | 14,373,000 | 14,321,000 |
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 | 2,341,000 | 4,759,000 | 7,213,000 | 9,802,000 |
| Interest expense | 412,000 | 823,000 | 1,275,000 | 1,807,000 |
| Net interest income | 1,929,000 | 3,936,000 | 5,938,000 | 7,995,000 |
| Noninterest income | 253,000 | 477,000 | 719,000 | 1,056,000 |
| Noninterest expense | 1,236,000 | 2,551,000 | 3,843,000 | 5,178,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 946,000 | 1,862,000 | 2,814,000 | 3,873,000 |
| Income tax | 346,000 | 682,000 | 1,033,000 | 1,407,000 |
| Net income | 600,000 | 1,180,000 | 1,781,000 | 2,466,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,694,000 | 13,930,000 | 14,121,000 | 14,221,000 |
| Total capital | 15,186,000 | 15,468,000 | 15,662,000 | 15,729,000 |
| Risk-weighted assets | 119,340,000 | 124,324,000 | 126,278,000 | 133,946,000 |