Call reports 2004
BANK OF CHOICE — 2004
What BANK OF CHOICE 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 | 203,620,000 | 230,472,000 | 265,803,000 | 298,074,000 |
| Total loans | 169,872,000 | 189,132,000 | 219,796,000 | 233,073,000 |
| Allowance for loan losses | 1,715,000 | 1,910,000 | 1,804,000 | 2,178,000 |
| Securities available for sale | 2,999,000 | 3,406,000 | 3,509,000 | 3,479,000 |
| Securities held to maturity | 11,824,000 | 14,040,000 | 13,870,000 | 13,144,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,692,000 | 203,037,000 | 229,781,000 | 261,711,000 |
| Interest-bearing deposits | 162,602,000 | 181,025,000 | 197,541,000 | 226,583,000 |
| Noninterest-bearing deposits | 20,090,000 | 22,012,000 | 32,240,000 | 35,128,000 |
| Equity capital | 20,084,000 | 20,739,000 | 27,371,000 | 27,905,000 |
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 | 3,058,000 | 6,521,000 | 10,411,000 | 14,653,000 |
| Interest expense | 882,000 | 1,835,000 | 2,993,000 | 4,331,000 |
| Net interest income | 2,176,000 | 4,686,000 | 7,418,000 | 10,322,000 |
| Noninterest income | 213,000 | 463,000 | 696,000 | 1,019,000 |
| Noninterest expense | 1,350,000 | 2,906,000 | 4,599,000 | 6,640,000 |
| Provision for loan losses | 225,000 | 533,000 | 904,000 | 1,369,000 |
| Pretax income | 814,000 | 1,710,000 | 2,611,000 | 3,332,000 |
| Income tax | 280,000 | 631,000 | 964,000 | 1,132,000 |
| Net income | 534,000 | 1,079,000 | 1,647,000 | 2,200,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,087,000 | 20,797,000 | 27,365,000 | 27,918,000 |
| Total capital | 21,802,000 | 22,707,000 | 29,169,000 | 30,096,000 |
| Risk-weighted assets | 202,342,000 | 225,358,000 | 250,093,000 | 251,247,000 |