Call reports 2004
FORESIGHT BANK — 2004
What FORESIGHT 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 | 121,371,000 | 125,767,000 | 126,992,000 | 130,073,000 |
| Total loans | 104,565,000 | 105,641,000 | 107,125,000 | 109,107,000 |
| Allowance for loan losses | 1,133,000 | 1,120,000 | 1,092,000 | 1,217,000 |
| Securities available for sale | 9,673,000 | 9,504,000 | 11,126,000 | 11,271,000 |
| Securities held to maturity | 2,917,000 | 2,419,000 | 1,422,000 | 763,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,113,000 | 90,722,000 | 90,707,000 | 94,849,000 |
| Interest-bearing deposits | 79,370,000 | 82,681,000 | 82,565,000 | 84,338,000 |
| Noninterest-bearing deposits | 8,743,000 | 8,041,000 | 8,142,000 | 10,511,000 |
| Equity capital | 9,798,000 | 9,938,000 | 10,292,000 | 10,064,000 |
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 | 1,731,000 | 3,501,000 | 5,301,000 | 7,160,000 |
| Interest expense | 650,000 | 1,293,000 | 1,973,000 | 2,678,000 |
| Net interest income | 1,081,000 | 2,208,000 | 3,328,000 | 4,482,000 |
| Noninterest income | 96,000 | 201,000 | 301,000 | 387,000 |
| Noninterest expense | 716,000 | 1,381,000 | 2,077,000 | 2,767,000 |
| Provision for loan losses | 1,000 | -15,000 | 14,000 | 168,000 |
| Pretax income | 460,000 | 1,043,000 | 1,538,000 | 1,934,000 |
| Income tax | 19,000 | 38,000 | 57,000 | 75,000 |
| Net income | 441,000 | 1,005,000 | 1,481,000 | 1,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,549,000 | 9,848,000 | 10,054,000 | 9,917,000 |
| Total capital | 10,682,000 | 10,968,000 | 11,146,000 | 11,121,000 |
| Risk-weighted assets | 91,630,000 | 93,375,000 | 94,552,000 | 96,324,000 |