Call reports 2004
FREEDOM BANK, INC. — 2004
What FREEDOM BANK, INC. 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 | 104,327,000 | 103,736,000 | 110,147,000 | 111,642,000 |
| Total loans | 68,074,000 | 72,556,000 | 78,030,000 | 77,790,000 |
| Allowance for loan losses | 963,000 | 964,000 | 980,000 | 977,000 |
| Securities available for sale | 12,365,000 | 10,866,000 | 11,197,000 | 10,525,000 |
| Securities held to maturity | 6,538,000 | 6,469,000 | 6,229,000 | 4,678,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,503,000 | 94,098,000 | 95,034,000 | 96,234,000 |
| Interest-bearing deposits | 75,097,000 | 75,212,000 | 75,782,000 | 76,578,000 |
| Noninterest-bearing deposits | 19,406,000 | 18,886,000 | 19,252,000 | 19,656,000 |
| Equity capital | 9,097,000 | 8,913,000 | 9,282,000 | 9,548,000 |
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 | 1,346,000 | 2,660,000 | 4,083,000 | 5,544,000 |
| Interest expense | 404,000 | 788,000 | 1,174,000 | 1,596,000 |
| Net interest income | 942,000 | 1,872,000 | 2,909,000 | 3,948,000 |
| Noninterest income | 231,000 | 480,000 | 724,000 | 969,000 |
| Noninterest expense | 891,000 | 1,818,000 | 2,701,000 | 3,573,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 267,000 | 504,000 | 887,000 | 1,284,000 |
| Income tax | 69,000 | 115,000 | 216,000 | 327,000 |
| Net income | 198,000 | 389,000 | 671,000 | 957,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,048,000 | 8,989,000 | 9,271,000 | 9,558,000 |
| Total capital | 9,899,000 | 9,880,000 | 10,225,000 | 10,522,000 |
| Risk-weighted assets | 67,912,000 | 71,195,000 | 76,268,000 | 77,144,000 |
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