Call reports 2004
FIRSTCITY BANK — 2004
What FIRSTCITY BANK 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 | 71,828,000 | 91,200,000 | 96,358,000 | 108,900,000 |
| Total loans | 64,960,000 | 76,189,000 | 87,238,000 | 91,517,000 |
| Allowance for loan losses | 594,000 | 675,000 | 801,000 | 930,000 |
| Securities available for sale | 2,340,000 | 2,891,000 | 2,938,000 | 3,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,760,000 | 83,291,000 | 87,966,000 | 99,964,000 |
| Interest-bearing deposits | 57,166,000 | 75,847,000 | 79,512,000 | 89,999,000 |
| Noninterest-bearing deposits | 8,594,000 | 7,444,000 | 8,454,000 | 9,965,000 |
| Equity capital | 5,598,000 | 7,280,000 | 7,769,000 | 8,250,000 |
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 | 1,237,000 | 2,795,000 | 4,560,000 | 6,430,000 |
| Interest expense | 312,000 | 718,000 | 1,183,000 | 1,722,000 |
| Net interest income | 925,000 | 2,077,000 | 3,377,000 | 4,708,000 |
| Noninterest income | 45,000 | 103,000 | 140,000 | 147,000 |
| Noninterest expense | 535,000 | 1,164,000 | 1,872,000 | 2,614,000 |
| Provision for loan losses | 50,000 | 125,000 | 250,000 | 375,000 |
| Pretax income | 385,000 | 891,000 | 1,395,000 | 1,866,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 385,000 | 891,000 | 1,395,000 | 1,866,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,576,000 | 7,301,000 | 7,748,000 | 8,241,000 |
| Total capital | 6,170,000 | 7,976,000 | 8,549,000 | 9,171,000 |
| Risk-weighted assets | 62,527,000 | 78,162,000 | 83,286,000 | 94,025,000 |