Call reports 2004
NATIONAL BANK OF THE REDWOODS — 2004
What NATIONAL BANK OF THE REDWOODS 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 | 514,335,000 | 511,727,000 | 519,018,000 | 506,383,000 |
| Total loans | 411,375,000 | 424,091,000 | 445,103,000 | 436,426,000 |
| Allowance for loan losses | 7,177,000 | 7,039,000 | 7,072,000 | 7,178,000 |
| Securities available for sale | 39,454,000 | 32,732,000 | 29,270,000 | 27,608,000 |
| Securities held to maturity | 17,931,000 | 17,223,000 | 14,286,000 | 14,168,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 456,697,000 | 455,255,000 | 416,922,000 | 393,385,000 |
| Interest-bearing deposits | 417,472,000 | 410,329,000 | 375,599,000 | 347,432,000 |
| Noninterest-bearing deposits | 39,225,000 | 44,926,000 | 41,324,000 | 45,953,000 |
| Equity capital | 43,145,000 | 43,399,000 | 44,138,000 | 44,815,000 |
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 | 7,168,000 | 14,194,000 | 21,537,000 | 29,036,000 |
| Interest expense | 1,229,000 | 2,328,000 | 3,437,000 | 4,705,000 |
| Net interest income | 5,939,000 | 11,866,000 | 18,100,000 | 24,331,000 |
| Noninterest income | 1,708,000 | 3,601,000 | 5,376,000 | 7,812,000 |
| Noninterest expense | 4,304,000 | 8,494,000 | 12,695,000 | 17,043,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,343,000 | 6,973,000 | 10,860,000 | 15,179,000 |
| Income tax | 1,337,000 | 2,788,000 | 4,342,000 | 6,068,000 |
| Net income | 2,006,000 | 4,185,000 | 6,518,000 | 9,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,265,000 | 42,116,000 | 42,712,000 | 43,576,000 |
| Total capital | 46,556,000 | 47,553,000 | 48,368,000 | 49,074,000 |
| Risk-weighted assets | 421,357,000 | 433,359,000 | 451,118,000 | 438,125,000 |