Call reports 2004
ABBYBANK — 2004
What ABBYBANK 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 | 182,714,000 | 182,108,000 | 191,345,000 | 200,699,000 |
| Total loans | 148,271,000 | 146,291,000 | 153,537,000 | 157,991,000 |
| Allowance for loan losses | 2,338,000 | 2,397,000 | 2,443,000 | 2,365,000 |
| Securities available for sale | 28,420,000 | 29,375,000 | 31,201,000 | 31,882,000 |
| Securities held to maturity | 314,000 | 282,000 | 282,000 | 250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,018,000 | 153,661,000 | 156,466,000 | 160,449,000 |
| Interest-bearing deposits | 142,421,000 | 140,474,000 | 143,867,000 | 145,413,000 |
| Noninterest-bearing deposits | 11,597,000 | 13,187,000 | 12,599,000 | 15,036,000 |
| Equity capital | 18,205,000 | 18,195,000 | 19,141,000 | 18,656,000 |
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 | 2,417,000 | 4,866,000 | 7,336,000 | 9,934,000 |
| Interest expense | 883,000 | 1,756,000 | 2,593,000 | 3,506,000 |
| Net interest income | 1,534,000 | 3,110,000 | 4,743,000 | 6,428,000 |
| Noninterest income | 245,000 | 484,000 | 681,000 | 918,000 |
| Noninterest expense | 922,000 | 1,873,000 | 2,842,000 | 3,900,000 |
| Provision for loan losses | 75,000 | 130,000 | 175,000 | 220,000 |
| Pretax income | 782,000 | 1,591,000 | 2,407,000 | 3,226,000 |
| Income tax | 223,000 | 453,000 | 685,000 | 923,000 |
| Net income | 559,000 | 1,138,000 | 1,722,000 | 2,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,436,000 | 18,016,000 | 18,599,000 | 18,256,000 |
| Total capital | 19,218,000 | 19,802,000 | 20,471,000 | 20,251,000 |
| Risk-weighted assets | 142,037,000 | 142,258,000 | 148,937,000 | 159,226,000 |