Call reports 2004
BELL BANK — 2004
What BELL BANK 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 | 1,018,265,000 | 1,076,854,000 | 1,133,066,000 | 1,201,351,000 |
| Total loans | 918,892,000 | 970,277,000 | 1,026,369,000 | 1,085,284,000 |
| Allowance for loan losses | 10,693,000 | 11,061,000 | 11,631,000 | 12,261,000 |
| Securities available for sale | 53,689,000 | 59,925,000 | 57,411,000 | 58,843,000 |
| Securities held to maturity | 5,111,000 | 4,825,000 | 4,728,000 | 4,606,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 851,831,000 | 891,629,000 | 941,734,000 | 1,004,119,000 |
| Interest-bearing deposits | 794,356,000 | 835,601,000 | 884,891,000 | 934,874,000 |
| Noninterest-bearing deposits | 57,475,000 | 56,028,000 | 56,843,000 | 69,245,000 |
| Equity capital | 85,823,000 | 90,161,000 | 95,941,000 | 101,118,000 |
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 | 12,949,000 | 26,250,000 | 40,707,000 | 56,266,000 |
| Interest expense | 3,808,000 | 7,772,000 | 12,226,000 | 17,324,000 |
| Net interest income | 9,141,000 | 18,478,000 | 28,481,000 | 38,942,000 |
| Noninterest income | 2,371,000 | 4,966,000 | 7,415,000 | 9,821,000 |
| Noninterest expense | 7,070,000 | 14,168,000 | 21,549,000 | 29,012,000 |
| Provision for loan losses | 200,000 | 800,000 | 1,400,000 | 2,100,000 |
| Pretax income | 4,261,000 | 8,505,000 | 12,998,000 | 17,703,000 |
| Income tax | 1,613,000 | 3,211,000 | 4,901,000 | 6,679,000 |
| Net income | 2,648,000 | 5,294,000 | 8,097,000 | 11,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,295,000 | 90,439,000 | 95,776,000 | 101,199,000 |
| Total capital | 95,988,000 | 101,500,000 | 107,407,000 | 113,460,000 |
| Risk-weighted assets | 943,306,000 | 996,270,000 | 1,050,161,000 | 1,105,729,000 |