Call reports 2004
COMMUNITY NEIGHBOR BANK — 2004
What COMMUNITY NEIGHBOR 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 | 74,906,000 | 76,816,000 | 80,445,000 | 86,228,000 |
| Total loans | 49,792,000 | 56,392,000 | 61,129,000 | 64,713,000 |
| Allowance for loan losses | 620,000 | 788,000 | 649,000 | 774,000 |
| Securities available for sale | 8,843,000 | 9,424,000 | 8,586,000 | 8,165,000 |
| Securities held to maturity | 2,522,000 | 2,516,000 | 2,261,000 | 2,257,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,721,000 | 62,575,000 | 66,225,000 | 72,475,000 |
| Interest-bearing deposits | 51,119,000 | 52,971,000 | 55,454,000 | 60,109,000 |
| Noninterest-bearing deposits | 9,602,000 | 9,604,000 | 10,771,000 | 12,366,000 |
| Equity capital | 8,268,000 | 8,326,000 | 8,571,000 | 8,651,000 |
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 | 1,096,000 | 2,251,000 | 3,482,000 | 4,810,000 |
| Interest expense | 290,000 | 585,000 | 911,000 | 1,284,000 |
| Net interest income | 806,000 | 1,666,000 | 2,571,000 | 3,526,000 |
| Noninterest income | 113,000 | 229,000 | 355,000 | 476,000 |
| Noninterest expense | 562,000 | 1,132,000 | 1,713,000 | 2,390,000 |
| Provision for loan losses | 56,000 | 224,000 | 320,000 | 480,000 |
| Pretax income | 540,000 | 778,000 | 1,132,000 | 1,371,000 |
| Income tax | 183,000 | 260,000 | 380,000 | 504,000 |
| Net income | 357,000 | 518,000 | 752,000 | 867,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,156,000 | 8,317,000 | 8,551,000 | 8,666,000 |
| Total capital | 8,776,000 | 9,038,000 | 9,200,000 | 9,440,000 |
| Risk-weighted assets | 52,359,000 | 57,584,000 | 61,599,000 | 65,734,000 |