Call reports 2004
BANK OF CASHTON — 2004
What BANK OF CASHTON 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 | 44,808,000 | 46,674,000 | 45,986,000 | 45,912,000 |
| Total loans | 32,911,000 | 33,713,000 | 34,149,000 | 33,868,000 |
| Allowance for loan losses | 612,000 | 618,000 | 631,000 | 638,000 |
| Securities available for sale | 8,153,000 | 7,879,000 | 8,260,000 | 8,227,000 |
| Securities held to maturity | 635,000 | 395,000 | 395,000 | 285,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,981,000 | 41,834,000 | 40,811,000 | 40,975,000 |
| Interest-bearing deposits | 36,254,000 | 37,454,000 | 36,570,000 | 36,501,000 |
| Noninterest-bearing deposits | 3,727,000 | 4,380,000 | 4,241,000 | 4,474,000 |
| Equity capital | 4,263,000 | 4,217,000 | 4,454,000 | 4,273,000 |
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 | 687,000 | 1,365,000 | 2,063,000 | 2,759,000 |
| Interest expense | 256,000 | 501,000 | 742,000 | 984,000 |
| Net interest income | 431,000 | 864,000 | 1,321,000 | 1,775,000 |
| Noninterest income | 59,000 | 113,000 | 177,000 | 235,000 |
| Noninterest expense | 333,000 | 643,000 | 949,000 | 1,288,000 |
| Provision for loan losses | 17,000 | 23,000 | 28,000 | 35,000 |
| Pretax income | 140,000 | 311,000 | 521,000 | 687,000 |
| Income tax | 23,000 | 59,000 | 132,000 | 157,000 |
| Net income | 117,000 | 252,000 | 389,000 | 530,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,068,000 | 4,203,000 | 4,337,000 | 4,190,000 |
| Total capital | 4,510,000 | 4,658,000 | 4,797,000 | 4,659,000 |
| Risk-weighted assets | 35,181,000 | 36,331,000 | 36,611,000 | 36,566,000 |