Call reports 2004
EXCEL BANK — 2004
What EXCEL BANK 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 | 119,647,000 | 117,828,000 | 116,596,000 | 115,448,000 |
| Total loans | 61,846,000 | 62,239,000 | 60,840,000 | 60,831,000 |
| Allowance for loan losses | 1,420,000 | 1,319,000 | 1,182,000 | 901,000 |
| Securities available for sale | 49,096,000 | 47,433,000 | 49,393,000 | 46,266,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,738,000 | 89,753,000 | 87,361,000 | 85,872,000 |
| Interest-bearing deposits | 81,578,000 | 80,546,000 | 77,389,000 | 76,021,000 |
| Noninterest-bearing deposits | 9,160,000 | 9,207,000 | 9,972,000 | 9,851,000 |
| Equity capital | 10,414,000 | 9,521,000 | 10,406,000 | 10,209,000 |
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 | 1,504,000 | 3,018,000 | 4,493,000 | 6,020,000 |
| Interest expense | 620,000 | 1,212,000 | 1,807,000 | 2,403,000 |
| Net interest income | 884,000 | 1,806,000 | 2,686,000 | 3,617,000 |
| Noninterest income | 203,000 | 453,000 | 886,000 | 1,107,000 |
| Noninterest expense | 739,000 | 1,544,000 | 2,310,000 | 3,087,000 |
| Provision for loan losses | 22,000 | 45,000 | 67,000 | 100,000 |
| Pretax income | 326,000 | 683,000 | 1,215,000 | 1,551,000 |
| Income tax | 4,000 | 4,000 | 4,000 | 4,000 |
| Net income | 322,000 | 679,000 | 1,211,000 | 1,547,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,984,000 | 10,074,000 | 10,384,000 | 10,396,000 |
| Total capital | 10,838,000 | 10,933,000 | 11,225,000 | 11,254,000 |
| Risk-weighted assets | 67,769,000 | 68,248,000 | 66,924,000 | 68,614,000 |