Call reports 2004
U.S. CENTURY BANK — 2004
What U.S. CENTURY 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 | 214,229,000 | 295,968,000 | 321,682,000 | 415,169,000 |
| Total loans | 149,246,000 | 183,087,000 | 220,168,000 | 271,550,000 |
| Allowance for loan losses | 2,250,000 | 2,849,000 | 3,399,000 | 4,049,000 |
| Securities available for sale | 5,133,000 | 15,268,000 | 18,623,000 | 20,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 144,911,000 | 208,453,000 | 230,049,000 | 297,039,000 |
| Interest-bearing deposits | 106,949,000 | 149,574,000 | 179,495,000 | 216,693,000 |
| Noninterest-bearing deposits | 37,962,000 | 58,879,000 | 50,554,000 | 80,346,000 |
| Equity capital | 68,073,000 | 84,783,000 | 88,997,000 | 90,361,000 |
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 | 2,106,000 | 4,839,000 | 8,306,000 | 12,623,000 |
| Interest expense | 160,000 | 562,000 | 1,079,000 | 1,785,000 |
| Net interest income | 1,946,000 | 4,277,000 | 7,227,000 | 10,838,000 |
| Noninterest income | 233,000 | 541,000 | 850,000 | 1,188,000 |
| Noninterest expense | 1,104,000 | 2,351,000 | 3,815,000 | 5,552,000 |
| Provision for loan losses | 700,000 | 1,300,000 | 1,850,000 | 2,500,000 |
| Pretax income | 405,000 | 1,196,000 | 2,441,000 | 4,004,000 |
| Income tax | 118,000 | 419,000 | 892,000 | 1,485,000 |
| Net income | 287,000 | 777,000 | 1,549,000 | 2,519,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,105,000 | 84,809,000 | 88,972,000 | 90,353,000 |
| Total capital | 70,355,000 | 87,553,000 | 92,371,000 | 94,402,000 |
| Risk-weighted assets | 187,810,000 | 219,448,000 | 287,349,000 | 352,912,000 |