Call reports 2004
ASCENCIA BANK, INC. — 2004
What ASCENCIA BANK, INC. 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 | 273,013,000 | 281,542,000 | 296,747,000 | 314,536,000 |
| Total loans | 219,681,000 | 229,450,000 | 242,167,000 | 257,376,000 |
| Allowance for loan losses | 3,170,000 | 3,350,000 | 3,511,000 | 3,693,000 |
| Securities available for sale | 43,102,000 | 43,725,000 | 42,646,000 | 38,934,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 218,031,000 | 232,203,000 | 241,530,000 | 254,880,000 |
| Interest-bearing deposits | 210,711,000 | 224,557,000 | 234,613,000 | 245,897,000 |
| Noninterest-bearing deposits | 7,320,000 | 7,646,000 | 6,917,000 | 8,983,000 |
| Equity capital | 28,277,000 | 27,935,000 | 29,252,000 | 29,430,000 |
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 | 3,603,000 | 7,231,000 | 11,345,000 | 15,714,000 |
| Interest expense | 1,715,000 | 3,432,000 | 5,253,000 | 7,192,000 |
| Net interest income | 1,888,000 | 3,799,000 | 6,092,000 | 8,522,000 |
| Noninterest income | 131,000 | 241,000 | 377,000 | 533,000 |
| Noninterest expense | 1,090,000 | 2,120,000 | 3,138,000 | 4,071,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 749,000 | 1,604,000 | 2,835,000 | 4,308,000 |
| Income tax | 236,000 | 506,000 | 892,000 | 1,362,000 |
| Net income | 513,000 | 1,098,000 | 1,943,000 | 2,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,628,000 | 28,103,000 | 28,827,000 | 29,151,000 |
| Total capital | 30,369,000 | 30,954,000 | 31,884,000 | 32,414,000 |
| Risk-weighted assets | 218,826,000 | 227,556,000 | 244,094,000 | 260,613,000 |