Call reports 2004
BANK OF ELK RIVER, THE — 2004
What BANK OF ELK RIVER, THE 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 | 270,027,000 | 285,595,000 | 292,334,000 | 302,192,000 |
| Total loans | 203,271,000 | 218,316,000 | 221,381,000 | 229,739,000 |
| Allowance for loan losses | 2,334,000 | 2,423,000 | 2,539,000 | 2,549,000 |
| Securities available for sale | 45,975,000 | 44,257,000 | 49,058,000 | 50,142,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,083,000 | 251,086,000 | 260,504,000 | 273,329,000 |
| Interest-bearing deposits | 210,394,000 | 210,422,000 | 246,693,000 | 232,033,000 |
| Noninterest-bearing deposits | 36,689,000 | 40,664,000 | 13,811,000 | 41,296,000 |
| Equity capital | 21,771,000 | 21,466,000 | 23,360,000 | 23,668,000 |
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 | 3,974,000 | 8,046,000 | 12,323,000 | 16,715,000 |
| Interest expense | 1,265,000 | 2,549,000 | 3,894,000 | 5,316,000 |
| Net interest income | 2,709,000 | 5,497,000 | 8,429,000 | 11,399,000 |
| Noninterest income | 606,000 | 1,291,000 | 1,975,000 | 2,637,000 |
| Noninterest expense | 2,143,000 | 4,356,000 | 6,548,000 | 9,412,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 500,000 |
| Pretax income | 1,022,000 | 2,132,000 | 3,406,000 | 4,124,000 |
| Income tax | 1,000 | 2,000 | 4,000 | 5,000 |
| Net income | 1,021,000 | 2,130,000 | 3,402,000 | 4,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,378,000 | 21,789,000 | 22,509,000 | 23,156,000 |
| Total capital | 22,712,000 | 24,212,000 | 25,048,000 | 25,705,000 |
| Risk-weighted assets | 214,078,000 | 228,603,000 | 230,744,000 | 241,644,000 |