Call reports 2004
BANK OF LUMBER CITY — 2004
What BANK OF LUMBER CITY 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 | 18,696,000 | 18,915,000 | 19,489,000 | 20,355,000 |
| Total loans | 10,259,000 | 11,952,000 | 12,461,000 | 14,141,000 |
| Allowance for loan losses | 224,000 | 252,000 | 259,000 | 259,000 |
| Securities available for sale | 5,021,000 | 4,412,000 | 4,404,000 | 3,323,000 |
| Securities held to maturity | 1,570,000 | 1,431,000 | 1,227,000 | 1,033,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 15,149,000 | 15,443,000 | 15,628,000 | 16,620,000 |
| Interest-bearing deposits | 12,190,000 | 12,481,000 | 12,343,000 | 12,764,000 |
| Noninterest-bearing deposits | 2,959,000 | 2,962,000 | 3,285,000 | 3,856,000 |
| Equity capital | 3,448,000 | 3,397,000 | 3,548,000 | 3,598,000 |
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 | 279,000 | 570,000 | 900,000 | 1,238,000 |
| Interest expense | 48,000 | 99,000 | 152,000 | 210,000 |
| Net interest income | 231,000 | 471,000 | 748,000 | 1,028,000 |
| Noninterest income | 58,000 | 126,000 | 211,000 | 302,000 |
| Noninterest expense | 270,000 | 527,000 | 782,000 | 1,083,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 18,000 | 69,000 | 178,000 | 251,000 |
| Income tax | 0 | 1,000 | 19,000 | 37,000 |
| Net income | 18,000 | 68,000 | 159,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,359,000 | 3,409,000 | 3,500,000 | 3,555,000 |
| Total capital | 3,498,000 | 3,558,000 | 3,662,000 | 3,735,000 |
| Risk-weighted assets | 10,999,000 | 11,792,000 | 12,855,000 | 14,324,000 |