Call reports 2004
FIRSTIER BANK — 2004
What FIRSTIER 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 | 84,961,000 | 84,928,000 | 85,477,000 | 97,004,000 |
| Total loans | 63,756,000 | 64,839,000 | 70,771,000 | 82,490,000 |
| Allowance for loan losses | 642,000 | 743,000 | 806,000 | 953,000 |
| Securities available for sale | 7,806,000 | 6,621,000 | 6,940,000 | 6,871,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,254,000 | 75,102,000 | 75,145,000 | 82,426,000 |
| Interest-bearing deposits | 61,771,000 | 58,503,000 | 59,356,000 | 63,655,000 |
| Noninterest-bearing deposits | 13,483,000 | 16,599,000 | 15,789,000 | 18,771,000 |
| Equity capital | 9,322,000 | 9,538,000 | 9,959,000 | 10,247,000 |
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 | 1,269,000 | 2,425,000 | 3,738,000 | 5,206,000 |
| Interest expense | 319,000 | 624,000 | 944,000 | 1,306,000 |
| Net interest income | 950,000 | 1,801,000 | 2,794,000 | 3,900,000 |
| Noninterest income | 114,000 | 199,000 | 295,000 | 371,000 |
| Noninterest expense | 443,000 | 892,000 | 1,345,000 | 1,886,000 |
| Provision for loan losses | 200,000 | 260,000 | 320,000 | 430,000 |
| Pretax income | 421,000 | 847,000 | 1,423,000 | 1,954,000 |
| Income tax | -9,000 | 1,000 | 9,000 | 19,000 |
| Net income | 430,000 | 846,000 | 1,414,000 | 1,935,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,019,000 | 8,285,000 | 8,672,000 | 8,969,000 |
| Total capital | 8,662,000 | 9,028,000 | 9,478,000 | 9,922,000 |
| Risk-weighted assets | 70,710,000 | 70,617,000 | 74,586,000 | 85,159,000 |