Call reports 2004
BRISTOL BANK — 2004
What BRISTOL 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 | 69,804,000 | 70,027,000 | 75,159,000 | 87,342,000 |
| Total loans | 49,558,000 | 54,301,000 | 57,265,000 | 59,729,000 |
| Allowance for loan losses | 462,000 | 486,000 | 556,000 | 574,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,602,000 | 7,359,000 | 7,214,000 | 14,086,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,610,000 | 61,918,000 | 68,743,000 | 79,130,000 |
| Interest-bearing deposits | 55,451,000 | 53,685,000 | 58,966,000 | 70,492,000 |
| Noninterest-bearing deposits | 8,159,000 | 8,233,000 | 9,777,000 | 8,638,000 |
| Equity capital | 6,022,000 | 6,073,000 | 6,136,000 | 7,994,000 |
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 | 884,000 | 1,797,000 | 2,789,000 | 3,826,000 |
| Interest expense | 316,000 | 639,000 | 983,000 | 1,394,000 |
| Net interest income | 568,000 | 1,158,000 | 1,806,000 | 2,432,000 |
| Noninterest income | 99,000 | 206,000 | 323,000 | 440,000 |
| Noninterest expense | 612,000 | 1,201,000 | 1,791,000 | 2,411,000 |
| Provision for loan losses | 19,000 | 51,000 | 121,000 | 139,000 |
| Pretax income | 36,000 | 112,000 | 217,000 | 322,000 |
| Income tax | 17,000 | 42,000 | 84,000 | 121,000 |
| Net income | 19,000 | 70,000 | 133,000 | 201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,215,000 | 5,126,000 | 5,222,000 | 7,007,000 |
| Total capital | 5,677,000 | 5,612,000 | 5,778,000 | 7,581,000 |
| Risk-weighted assets | 52,318,000 | 54,882,000 | 57,527,000 | 61,358,000 |