Call reports 2004
FIRST BANK OF DELAWARE — 2004
What FIRST BANK OF DELAWARE 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 | 55,394,000 | 48,945,000 | 50,185,000 | 58,608,000 |
| Total loans | 31,099,000 | 32,619,000 | 35,731,000 | 40,964,000 |
| Allowance for loan losses | 1,409,000 | 880,000 | 1,290,000 | 1,050,000 |
| Securities available for sale | 1,736,000 | 1,520,000 | 1,327,000 | 1,207,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,076,000 | 35,751,000 | 35,478,000 | 37,714,000 |
| Interest-bearing deposits | 31,521,000 | 29,173,000 | 28,372,000 | 30,580,000 |
| Noninterest-bearing deposits | 9,555,000 | 6,578,000 | 7,106,000 | 7,134,000 |
| Equity capital | 8,991,000 | 9,802,000 | 10,316,000 | 11,396,000 |
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 | 711,000 | 1,165,000 | 2,736,000 | 4,041,000 |
| Interest expense | 87,000 | 165,000 | 300,000 | 444,000 |
| Net interest income | 624,000 | 1,000,000 | 2,436,000 | 3,597,000 |
| Noninterest income | 2,309,000 | 4,724,000 | 6,115,000 | 8,137,000 |
| Noninterest expense | 1,309,000 | 2,466,000 | 3,723,000 | 4,942,000 |
| Provision for loan losses | 111,000 | 374,000 | 1,126,000 | 1,463,000 |
| Pretax income | 1,513,000 | 2,884,000 | 3,702,000 | 5,329,000 |
| Income tax | 585,000 | 1,121,000 | 1,435,000 | 1,980,000 |
| Net income | 928,000 | 1,763,000 | 2,267,000 | 3,349,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,953,000 | 9,788,000 | 10,292,000 | 11,374,000 |
| Total capital | 9,417,000 | 10,253,000 | 10,784,000 | 11,948,000 |
| Risk-weighted assets | 36,184,000 | 36,868,000 | 38,543,000 | 45,479,000 |