Call reports 2004
FIRST BANK OF WHITE — 2004
What FIRST BANK OF WHITE 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 | 37,868,000 | 38,110,000 | 39,847,000 | 41,346,000 |
| Total loans | 28,692,000 | 29,660,000 | 31,408,000 | 31,553,000 |
| Allowance for loan losses | 292,000 | 240,000 | 250,000 | 274,000 |
| Securities available for sale | 7,275,000 | 6,421,000 | 6,356,000 | 7,867,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,873,000 | 34,005,000 | 35,477,000 | 36,602,000 |
| Interest-bearing deposits | 31,428,000 | 32,613,000 | 34,082,000 | 34,741,000 |
| Noninterest-bearing deposits | 1,446,000 | 1,393,000 | 1,395,000 | 1,860,000 |
| Equity capital | 3,189,000 | 3,199,000 | 3,416,000 | 3,663,000 |
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 | 505,000 | 1,067,000 | 1,584,000 | 2,156,000 |
| Interest expense | 223,000 | 444,000 | 672,000 | 907,000 |
| Net interest income | 282,000 | 623,000 | 912,000 | 1,249,000 |
| Noninterest income | 44,000 | 77,000 | 168,000 | 427,000 |
| Noninterest expense | 178,000 | 339,000 | 454,000 | 636,000 |
| Provision for loan losses | 4,000 | 32,000 | 44,000 | 66,000 |
| Pretax income | 144,000 | 329,000 | 582,000 | 974,000 |
| Income tax | 46,000 | 108,000 | 193,000 | 322,000 |
| Net income | 98,000 | 221,000 | 389,000 | 652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,074,000 | 3,197,000 | 3,365,000 | 3,628,000 |
| Total capital | 3,366,000 | 3,437,000 | 3,615,000 | 3,902,000 |
| Risk-weighted assets | 30,768,000 | 30,985,000 | 32,460,000 | 32,351,000 |