Call reports 2004
BONVENU BANK, N.A. — 2004
What BONVENU BANK, N.A. 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 | 182,922,000 | 187,275,000 | 204,359,000 | 238,356,000 |
| Total loans | 119,550,000 | 126,907,000 | 136,324,000 | 135,153,000 |
| Allowance for loan losses | 999,000 | 1,082,000 | 1,092,000 | 1,004,000 |
| Securities available for sale | 38,850,000 | 33,356,000 | 37,800,000 | 68,466,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,624,000 | 155,393,000 | 169,302,000 | 196,392,000 |
| Interest-bearing deposits | 113,542,000 | 112,352,000 | 123,027,000 | 153,814,000 |
| Noninterest-bearing deposits | 41,082,000 | 43,041,000 | 46,275,000 | 42,578,000 |
| Equity capital | 15,143,000 | 15,313,000 | 16,011,000 | 16,573,000 |
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 | 2,447,000 | 4,931,000 | 7,600,000 | 10,456,000 |
| Interest expense | 335,000 | 659,000 | 1,117,000 | 1,673,000 |
| Net interest income | 2,112,000 | 4,272,000 | 6,483,000 | 8,783,000 |
| Noninterest income | 536,000 | 1,206,000 | 1,815,000 | 2,612,000 |
| Noninterest expense | 2,014,000 | 3,908,000 | 5,915,000 | 8,086,000 |
| Provision for loan losses | 90,000 | 180,000 | 240,000 | 145,000 |
| Pretax income | 746,000 | 1,592,000 | 2,358,000 | 3,379,000 |
| Income tax | 213,000 | 469,000 | 731,000 | 1,140,000 |
| Net income | 533,000 | 1,123,000 | 1,627,000 | 2,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,050,000 | 15,640,000 | 16,144,000 | 16,756,000 |
| Total capital | 16,049,000 | 16,722,000 | 17,236,000 | 17,760,000 |
| Risk-weighted assets | 129,807,000 | 136,342,000 | 146,277,000 | 153,241,000 |