Call reports 2004
BANK 1ST — 2004
What BANK 1ST 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 | 83,613,000 | 80,121,000 | 80,840,000 | 79,997,000 |
| Total loans | 50,290,000 | 47,391,000 | 45,277,000 | 45,351,000 |
| Allowance for loan losses | 721,000 | 679,000 | 657,000 | 662,000 |
| Securities available for sale | 24,650,000 | 25,734,000 | 25,808,000 | 26,673,000 |
| Securities held to maturity | 970,000 | 888,000 | 894,000 | 2,030,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,423,000 | 72,364,000 | 72,844,000 | 72,156,000 |
| Interest-bearing deposits | 66,372,000 | 63,968,000 | 64,518,000 | 61,722,000 |
| Noninterest-bearing deposits | 9,051,000 | 8,396,000 | 8,326,000 | 10,434,000 |
| Equity capital | 7,926,000 | 7,506,000 | 7,673,000 | 7,546,000 |
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 | 1,019,000 | 1,999,000 | 2,946,000 | 3,960,000 |
| Interest expense | 346,000 | 674,000 | 993,000 | 1,308,000 |
| Net interest income | 673,000 | 1,325,000 | 1,953,000 | 2,652,000 |
| Noninterest income | 141,000 | 260,000 | 382,000 | 497,000 |
| Noninterest expense | 673,000 | 1,270,000 | 1,846,000 | 2,507,000 |
| Provision for loan losses | 0 | -30,000 | -30,000 | -65,000 |
| Pretax income | 141,000 | 345,000 | 512,000 | 699,000 |
| Income tax | 7,000 | 17,000 | 26,000 | 27,000 |
| Net income | 134,000 | 328,000 | 486,000 | 672,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,713,000 | 7,702,000 | 7,766,000 | 7,782,000 |
| Total capital | 8,278,000 | 8,306,000 | 8,344,000 | 8,368,000 |
| Risk-weighted assets | 45,058,000 | 47,452,000 | 46,126,000 | 46,073,000 |