Call reports 2004
BANK OF ELMWOOD — 2004
What BANK OF ELMWOOD 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 | 244,298,000 | 238,875,000 | 238,905,000 | 242,359,000 |
| Total loans | 166,964,000 | 164,723,000 | 179,310,000 | 192,680,000 |
| Allowance for loan losses | 2,167,000 | 2,139,000 | 2,328,000 | 2,505,000 |
| Securities available for sale | 58,372,000 | 54,089,000 | 39,693,000 | 35,203,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,706,000 | 190,767,000 | 192,635,000 | 193,300,000 |
| Interest-bearing deposits | 163,260,000 | 158,289,000 | 162,089,000 | 156,794,000 |
| Noninterest-bearing deposits | 31,446,000 | 32,477,000 | 30,545,000 | 36,506,000 |
| Equity capital | 18,965,000 | 17,447,000 | 19,107,000 | 19,437,000 |
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 | 3,143,000 | 6,192,000 | 9,396,000 | 12,831,000 |
| Interest expense | 733,000 | 1,379,000 | 2,023,000 | 2,735,000 |
| Net interest income | 2,410,000 | 4,813,000 | 7,373,000 | 10,096,000 |
| Noninterest income | 627,000 | 1,243,000 | 1,906,000 | 2,558,000 |
| Noninterest expense | 2,331,000 | 4,727,000 | 7,126,000 | 9,761,000 |
| Provision for loan losses | 135,000 | 293,000 | 531,000 | 763,000 |
| Pretax income | 648,000 | 1,113,000 | 1,764,000 | 2,274,000 |
| Income tax | 0 | 0 | 0 | 2,000 |
| Net income | 648,000 | 1,113,000 | 1,764,000 | 2,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,708,000 | 18,619,000 | 19,261,000 | 19,574,000 |
| Total capital | 20,741,000 | 20,613,000 | 21,356,000 | 21,808,000 |
| Risk-weighted assets | 162,498,000 | 159,375,000 | 167,397,000 | 178,436,000 |