Call reports 2004
FIRSTBANK OF LAKEWOOD — 2004
What FIRSTBANK OF LAKEWOOD 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 | 257,153,000 | 270,331,000 | 278,810,000 | 281,050,000 |
| Total loans | 47,151,000 | 48,482,000 | 47,044,000 | 44,446,000 |
| Allowance for loan losses | 585,000 | 599,000 | 553,000 | 504,000 |
| Securities available for sale | 149,157,000 | 165,829,000 | 173,876,000 | 157,614,000 |
| Securities held to maturity | 40,236,000 | 40,322,000 | 40,556,000 | 46,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,334,000 | 240,344,000 | 239,358,000 | 248,045,000 |
| Interest-bearing deposits | 184,491,000 | 185,467,000 | 182,089,000 | 184,852,000 |
| Noninterest-bearing deposits | 48,843,000 | 54,877,000 | 57,269,000 | 63,193,000 |
| Equity capital | 19,008,000 | 16,828,000 | 19,908,000 | 19,279,000 |
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 | 2,724,000 | 5,662,000 | 8,821,000 | 12,234,000 |
| Interest expense | 677,000 | 1,343,000 | 2,055,000 | 2,826,000 |
| Net interest income | 2,047,000 | 4,319,000 | 6,766,000 | 9,408,000 |
| Noninterest income | 950,000 | 1,934,000 | 2,891,000 | 3,815,000 |
| Noninterest expense | 1,426,000 | 2,934,000 | 4,481,000 | 6,061,000 |
| Provision for loan losses | 19,000 | 39,000 | 6,000 | -22,000 |
| Pretax income | 1,552,000 | 3,280,000 | 5,170,000 | 7,153,000 |
| Income tax | 307,000 | 696,000 | 1,134,000 | 1,633,000 |
| Net income | 1,245,000 | 2,584,000 | 4,036,000 | 5,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,450,000 | 16,588,000 | 17,440,000 | 16,924,000 |
| Total capital | 17,035,000 | 17,187,000 | 17,993,000 | 17,428,000 |
| Risk-weighted assets | 90,572,000 | 93,734,000 | 94,008,000 | 91,640,000 |