Call reports 2004
HAVEN TRUST BANK — 2004
What HAVEN TRUST 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 | 135,954,000 | 149,731,000 | 160,887,000 | 175,346,000 |
| Total loans | 109,094,000 | 125,133,000 | 135,783,000 | 148,847,000 |
| Allowance for loan losses | 1,311,000 | 1,561,000 | 1,569,000 | 1,769,000 |
| Securities available for sale | 5,982,000 | 4,807,000 | 4,796,000 | 6,672,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,202,000 | 127,858,000 | 138,639,000 | 141,394,000 |
| Interest-bearing deposits | 114,023,000 | 117,780,000 | 126,950,000 | 127,423,000 |
| Noninterest-bearing deposits | 8,179,000 | 10,078,000 | 11,689,000 | 13,971,000 |
| Equity capital | 9,564,000 | 11,805,000 | 12,374,000 | 15,725,000 |
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 | 1,771,000 | 3,743,000 | 5,963,000 | 8,459,000 |
| Interest expense | 542,000 | 1,134,000 | 1,868,000 | 2,718,000 |
| Net interest income | 1,229,000 | 2,609,000 | 4,095,000 | 5,741,000 |
| Noninterest income | 731,000 | 1,362,000 | 1,919,000 | 2,245,000 |
| Noninterest expense | 1,025,000 | 1,988,000 | 3,013,000 | 4,256,000 |
| Provision for loan losses | 100,000 | 350,000 | 550,000 | 750,000 |
| Pretax income | 834,000 | 1,630,000 | 2,447,000 | 2,976,000 |
| Income tax | 322,000 | 624,000 | 934,000 | 1,084,000 |
| Net income | 512,000 | 1,006,000 | 1,513,000 | 1,892,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,507,000 | 11,851,000 | 12,358,000 | 15,737,000 |
| Total capital | 10,818,000 | 13,412,000 | 13,927,000 | 17,506,000 |
| Risk-weighted assets | 115,578,000 | 130,660,000 | 140,319,000 | 152,649,000 |