Call reports 2004
BANK OF NICHOLS HILLS — 2004
What BANK OF NICHOLS HILLS 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 | 93,519,000 | 92,425,000 | 99,718,000 | 104,906,000 |
| Total loans | 76,526,000 | 76,628,000 | 77,680,000 | 84,921,000 |
| Allowance for loan losses | 801,000 | 1,049,000 | 814,000 | 849,000 |
| Securities available for sale | 2,075,000 | 3,847,000 | 4,398,000 | 4,799,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,560,000 | 79,177,000 | 86,095,000 | 92,001,000 |
| Interest-bearing deposits | 64,166,000 | 63,643,000 | 65,736,000 | 68,472,000 |
| Noninterest-bearing deposits | 15,394,000 | 15,534,000 | 20,359,000 | 23,529,000 |
| Equity capital | 8,105,000 | 8,369,000 | 8,684,000 | 8,920,000 |
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 | 1,244,000 | 2,482,000 | 3,813,000 | 5,228,000 |
| Interest expense | 254,000 | 509,000 | 774,000 | 1,062,000 |
| Net interest income | 990,000 | 1,973,000 | 3,039,000 | 4,166,000 |
| Noninterest income | 187,000 | 479,000 | 660,000 | 807,000 |
| Noninterest expense | 764,000 | 1,550,000 | 2,287,000 | 3,133,000 |
| Provision for loan losses | 30,000 | 87,000 | 105,000 | 140,000 |
| Pretax income | 383,000 | 815,000 | 1,307,000 | 1,700,000 |
| Income tax | 142,000 | 293,000 | 477,000 | 623,000 |
| Net income | 241,000 | 522,000 | 830,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,096,000 | 8,377,000 | 8,685,000 | 8,932,000 |
| Total capital | 8,897,000 | 9,351,000 | 9,499,000 | 9,781,000 |
| Risk-weighted assets | 78,152,000 | 77,815,000 | 80,532,000 | 88,480,000 |