Call reports 2004
TRADERS BANK — 2004
What TRADERS 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 | 115,250,000 | 117,335,000 | 117,779,000 | 119,218,000 |
| Total loans | 91,684,000 | 90,145,000 | 92,248,000 | 92,935,000 |
| Allowance for loan losses | 923,000 | 1,157,000 | 1,245,000 | 1,240,000 |
| Securities available for sale | 7,540,000 | 5,065,000 | 5,114,000 | 5,296,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,895,000 | 107,167,000 | 106,191,000 | 108,372,000 |
| Interest-bearing deposits | 83,411,000 | 85,422,000 | 83,723,000 | 85,943,000 |
| Noninterest-bearing deposits | 21,484,000 | 21,745,000 | 22,468,000 | 22,429,000 |
| Equity capital | 10,107,000 | 9,917,000 | 10,137,000 | 10,113,000 |
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 | 1,450,000 | 2,919,000 | 4,381,000 | 5,921,000 |
| Interest expense | 322,000 | 645,000 | 982,000 | 1,352,000 |
| Net interest income | 1,128,000 | 2,274,000 | 3,399,000 | 4,569,000 |
| Noninterest income | 304,000 | 593,000 | 890,000 | 1,250,000 |
| Noninterest expense | 838,000 | 1,625,000 | 2,548,000 | 3,579,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 538,000 | 1,186,000 | 1,686,000 | 2,184,000 |
| Income tax | 27,000 | 60,000 | 87,000 | 124,000 |
| Net income | 511,000 | 1,126,000 | 1,599,000 | 2,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,831,000 | 9,846,000 | 10,019,000 | 10,030,000 |
| Total capital | 10,754,000 | 10,865,000 | 11,066,000 | 11,097,000 |
| Risk-weighted assets | 81,868,000 | 81,442,000 | 83,617,000 | 85,187,000 |