Call reports 2004
BANK 1ST — 2004
What BANK 1ST 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 | 66,798,000 | 69,485,000 | 64,504,000 | 60,197,000 |
| Total loans | 52,258,000 | 45,127,000 | 44,728,000 | 39,764,000 |
| Allowance for loan losses | 1,293,000 | 1,326,000 | 1,057,000 | 1,036,000 |
| Securities available for sale | 9,086,000 | 12,819,000 | 12,339,000 | 12,173,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,744,000 | 60,252,000 | 55,494,000 | 51,243,000 |
| Interest-bearing deposits | 48,077,000 | 49,633,000 | 46,113,000 | 42,263,000 |
| Noninterest-bearing deposits | 9,667,000 | 10,619,000 | 9,381,000 | 8,980,000 |
| Equity capital | 7,786,000 | 7,695,000 | 7,885,000 | 7,785,000 |
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 | 988,000 | 1,964,000 | 2,910,000 | 3,830,000 |
| Interest expense | 302,000 | 548,000 | 775,000 | 986,000 |
| Net interest income | 686,000 | 1,416,000 | 2,135,000 | 2,844,000 |
| Noninterest income | 287,000 | 510,000 | 720,000 | 727,000 |
| Noninterest expense | 861,000 | 1,660,000 | 2,388,000 | 3,132,000 |
| Provision for loan losses | 5,000 | 20,000 | 35,000 | 14,000 |
| Pretax income | 107,000 | 246,000 | 434,000 | 428,000 |
| Income tax | 48,000 | 98,000 | 166,000 | 150,000 |
| Net income | 59,000 | 148,000 | 268,000 | 278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,663,000 | 7,668,000 | 7,728,000 | 7,669,000 |
| Total capital | 8,341,000 | 8,303,000 | 8,351,000 | 8,228,000 |
| Risk-weighted assets | 53,552,000 | 50,025,000 | 49,364,000 | 44,167,000 |