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 | 168,118,000 | 161,655,000 | 166,184,000 | 166,100,000 |
| Total loans | 113,436,000 | 111,134,000 | 116,933,000 | 118,760,000 |
| Allowance for loan losses | 1,204,000 | 1,160,000 | 1,163,000 | 1,255,000 |
| Securities available for sale | 40,006,000 | 40,788,000 | 41,277,000 | 38,722,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,161,000 | 136,394,000 | 139,685,000 | 142,975,000 |
| Interest-bearing deposits | 132,635,000 | 131,719,000 | 134,114,000 | 138,772,000 |
| Noninterest-bearing deposits | 13,526,000 | 4,675,000 | 5,571,000 | 4,203,000 |
| Equity capital | 12,427,000 | 11,960,000 | 13,025,000 | 13,056,000 |
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 | 2,388,000 | 4,722,000 | 7,111,000 | 9,755,000 |
| Interest expense | 440,000 | 833,000 | 1,244,000 | 1,668,000 |
| Net interest income | 1,948,000 | 3,889,000 | 5,867,000 | 8,087,000 |
| Noninterest income | 333,000 | 671,000 | 1,078,000 | 1,491,000 |
| Noninterest expense | 1,235,000 | 2,515,000 | 3,851,000 | 5,504,000 |
| Provision for loan losses | 80,000 | 80,000 | 80,000 | 155,000 |
| Pretax income | 1,009,000 | 2,008,000 | 3,057,000 | 3,646,000 |
| Income tax | 11,000 | 22,000 | 34,000 | 39,000 |
| Net income | 998,000 | 1,986,000 | 3,023,000 | 3,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,286,000 | 12,734,000 | 13,231,000 | 13,275,000 |
| Total capital | 13,530,000 | 13,979,000 | 14,493,000 | 14,621,000 |
| Risk-weighted assets | 125,496,000 | 123,245,000 | 126,326,000 | 128,362,000 |