Call reports 2004
EQUITY BANK — 2004
What EQUITY 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 | 36,643,000 | 40,589,000 | 45,930,000 | 52,849,000 |
| Total loans | 25,255,000 | 28,119,000 | 31,528,000 | 35,523,000 |
| Allowance for loan losses | 334,000 | 349,000 | 301,000 | 307,000 |
| Securities available for sale | 5,756,000 | 7,874,000 | 9,263,000 | 11,640,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,124,000 | 35,178,000 | 39,129,000 | 46,146,000 |
| Interest-bearing deposits | 26,337,000 | 30,327,000 | 34,618,000 | 39,837,000 |
| Noninterest-bearing deposits | 5,787,000 | 4,850,000 | 4,511,000 | 6,309,000 |
| Equity capital | 4,481,000 | 4,360,000 | 6,717,000 | 6,585,000 |
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 | 498,000 | 1,022,000 | 1,612,000 | 2,305,000 |
| Interest expense | 96,000 | 211,000 | 359,000 | 544,000 |
| Net interest income | 402,000 | 811,000 | 1,253,000 | 1,761,000 |
| Noninterest income | 100,000 | 198,000 | 328,000 | 441,000 |
| Noninterest expense | 530,000 | 1,039,000 | 1,643,000 | 2,356,000 |
| Provision for loan losses | 30,000 | 45,000 | 52,000 | 70,000 |
| Pretax income | -58,000 | -75,000 | -114,000 | -224,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | -58,000 | -76,000 | -115,000 | -225,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,481,000 | 4,453,000 | 6,737,000 | 6,627,000 |
| Total capital | 4,815,000 | 4,802,000 | 7,038,000 | 6,934,000 |
| Risk-weighted assets | 28,231,000 | 31,529,000 | 33,191,000 | 37,921,000 |