Call reports 2004
RANCHERS BANKS — 2004
What RANCHERS BANKS 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 | 117,172,000 | 118,629,000 | 116,044,000 | 116,322,000 |
| Total loans | 54,057,000 | 47,790,000 | 46,650,000 | 43,306,000 |
| Allowance for loan losses | 2,999,000 | 2,087,000 | 2,185,000 | 1,914,000 |
| Securities available for sale | 54,955,000 | 57,201,000 | 51,871,000 | 56,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,886,000 | 104,670,000 | 101,555,000 | 102,593,000 |
| Interest-bearing deposits | 80,276,000 | 82,843,000 | 78,945,000 | 78,538,000 |
| Noninterest-bearing deposits | 22,610,000 | 21,827,000 | 22,610,000 | 24,055,000 |
| Equity capital | 13,864,000 | 12,830,000 | 13,291,000 | 13,232,000 |
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 | 1,318,000 | 2,588,000 | 3,866,000 | 5,205,000 |
| Interest expense | 266,000 | 508,000 | 744,000 | 981,000 |
| Net interest income | 1,052,000 | 2,080,000 | 3,122,000 | 4,224,000 |
| Noninterest income | 214,000 | 487,000 | 798,000 | 1,224,000 |
| Noninterest expense | 1,359,000 | 2,768,000 | 4,170,000 | 5,517,000 |
| Provision for loan losses | 147,000 | 298,000 | 434,000 | 465,000 |
| Pretax income | -238,000 | -497,000 | -682,000 | -532,000 |
| Income tax | -30,000 | -68,000 | -68,000 | -68,000 |
| Net income | -208,000 | -429,000 | -614,000 | -464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,456,000 | 11,832,000 | 11,771,000 | 11,812,000 |
| Total capital | 14,316,000 | 12,632,000 | 12,546,000 | 12,558,000 |
| Risk-weighted assets | 66,486,000 | 62,670,000 | 60,602,000 | 58,556,000 |