Call reports 2004
NLSB — 2004
What NLSB 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 | 999,750,000 | 982,743,000 | 1,062,454,000 | 1,070,414,000 |
| Total loans | 577,188,000 | 591,408,000 | 694,217,000 | 729,383,000 |
| Allowance for loan losses | 2,422,000 | 2,730,000 | 3,550,000 | 4,368,000 |
| Securities available for sale | 350,008,000 | 299,060,000 | 197,969,000 | 200,725,000 |
| Securities held to maturity | 851,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 904,184,000 | 884,589,000 | 899,901,000 | 914,063,000 |
| Interest-bearing deposits | 719,216,000 | 706,722,000 | 709,591,000 | 717,367,000 |
| Noninterest-bearing deposits | 184,968,000 | 177,867,000 | 190,310,000 | 196,696,000 |
| Equity capital | 78,349,000 | 82,778,000 | 142,354,000 | 133,920,000 |
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 | 8,926,000 | 2,856,000 | 12,281,000 | 23,488,000 |
| Interest expense | 2,436,000 | 741,000 | 3,190,000 | 5,966,000 |
| Net interest income | 6,490,000 | 2,115,000 | 9,091,000 | 17,522,000 |
| Noninterest income | 1,347,000 | 495,000 | 1,933,000 | 3,339,000 |
| Noninterest expense | 4,894,000 | 1,423,000 | 7,150,000 | 12,193,000 |
| Provision for loan losses | 45,000 | 275,000 | 1,100,000 | 1,925,000 |
| Pretax income | 2,900,000 | 879,000 | 2,733,000 | 6,702,000 |
| Income tax | 25,000 | 314,000 | 918,000 | 2,441,000 |
| Net income | 2,875,000 | 565,000 | 1,815,000 | 4,261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,852,000 | 82,426,000 | 83,686,000 | 80,716,000 |
| Total capital | 78,274,000 | 85,156,000 | 87,236,000 | 85,084,000 |
| Risk-weighted assets | 579,854,000 | 583,687,000 | 709,971,000 | 754,048,000 |