Call reports 2004
GLACIER BANK OF WHITEFISH — 2004
What GLACIER BANK OF WHITEFISH 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 | 155,173,000 | 161,775,000 | 164,851,000 | 169,410,000 |
| Total loans | 80,374,000 | 89,671,000 | 95,385,000 | 104,126,000 |
| Allowance for loan losses | 1,222,000 | 1,286,000 | 1,315,000 | 1,380,000 |
| Securities available for sale | 63,491,000 | 59,605,000 | 58,335,000 | 51,541,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,293,000 | 73,747,000 | 76,434,000 | 98,605,000 |
| Interest-bearing deposits | 47,518,000 | 49,125,000 | 47,895,000 | 65,498,000 |
| Noninterest-bearing deposits | 25,775,000 | 24,621,000 | 28,539,000 | 33,107,000 |
| Equity capital | 12,772,000 | 12,592,000 | 13,427,000 | 13,839,000 |
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 | 1,956,000 | 3,907,000 | 6,016,000 | 8,306,000 |
| Interest expense | 403,000 | 808,000 | 1,258,000 | 1,750,000 |
| Net interest income | 1,553,000 | 3,099,000 | 4,758,000 | 6,556,000 |
| Noninterest income | 303,000 | 599,000 | 932,000 | 1,233,000 |
| Noninterest expense | 814,000 | 1,638,000 | 2,446,000 | 3,267,000 |
| Provision for loan losses | 45,000 | 100,000 | 175,000 | 250,000 |
| Pretax income | 997,000 | 1,960,000 | 3,069,000 | 4,282,000 |
| Income tax | 339,000 | 659,000 | 1,038,000 | 1,457,000 |
| Net income | 658,000 | 1,301,000 | 2,031,000 | 2,825,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,529,000 | 11,920,000 | 12,400,000 | 12,945,000 |
| Total capital | 12,692,000 | 13,206,000 | 13,695,000 | 14,325,000 |
| Risk-weighted assets | 93,021,000 | 103,473,000 | 103,591,000 | 110,965,000 |