Call reports 2004
CREDICARD NATIONAL BANK — 2004
What CREDICARD NATIONAL 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 | 10,201,000 | 8,437,000 | 9,371,000 | 9,132,000 |
| Total loans | 7,136,000 | 7,145,000 | 7,127,000 | 7,623,000 |
| Allowance for loan losses | 115,000 | 115,000 | 115,000 | 115,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,375,000 | 5,626,000 | 6,519,000 | 6,246,000 |
| Interest-bearing deposits | 7,101,000 | 5,429,000 | 6,216,000 | 5,956,000 |
| Noninterest-bearing deposits | 274,000 | 197,000 | 303,000 | 290,000 |
| Equity capital | 2,800,000 | 2,787,000 | 2,820,000 | 2,857,000 |
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 | 437,000 | 865,000 | 1,253,000 | 1,646,000 |
| Interest expense | 66,000 | 128,000 | 181,000 | 239,000 |
| Net interest income | 371,000 | 737,000 | 1,072,000 | 1,407,000 |
| Noninterest income | 5,000 | 7,000 | 10,000 | 13,000 |
| Noninterest expense | 301,000 | 643,000 | 957,000 | 1,256,000 |
| Provision for loan losses | 17,000 | 44,000 | 35,000 | 37,000 |
| Pretax income | 58,000 | 57,000 | 90,000 | 127,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 58,000 | 57,000 | 90,000 | 127,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,800,000 | 2,787,000 | 2,820,000 | 2,857,000 |
| Total capital | 2,904,000 | 2,888,000 | 2,924,000 | 2,966,000 |
| Risk-weighted assets | 8,310,000 | 8,028,000 | 8,276,000 | 8,686,000 |