Call reports 2004
PEDESTAL BANK — 2004
What PEDESTAL 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 | 120,256,000 | 123,358,000 | 123,627,000 | 128,183,000 |
| Total loans | 82,446,000 | 83,573,000 | 85,538,000 | 86,255,000 |
| Allowance for loan losses | 1,059,000 | 1,048,000 | 1,079,000 | 1,153,000 |
| Securities available for sale | 21,289,000 | 26,581,000 | 25,103,000 | 28,935,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,684,000 | 106,904,000 | 106,211,000 | 111,556,000 |
| Interest-bearing deposits | 81,584,000 | 84,269,000 | 83,997,000 | 87,137,000 |
| Noninterest-bearing deposits | 22,100,000 | 22,635,000 | 22,214,000 | 24,420,000 |
| Equity capital | 10,283,000 | 10,307,000 | 10,657,000 | 10,868,000 |
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 | 1,681,000 | 3,423,000 | 5,211,000 | 7,067,000 |
| Interest expense | 406,000 | 830,000 | 1,299,000 | 1,777,000 |
| Net interest income | 1,275,000 | 2,593,000 | 3,912,000 | 5,290,000 |
| Noninterest income | 220,000 | 465,000 | 747,000 | 1,304,000 |
| Noninterest expense | 1,008,000 | 2,054,000 | 3,124,000 | 4,290,000 |
| Provision for loan losses | 92,000 | 200,000 | 235,000 | 315,000 |
| Pretax income | 395,000 | 804,000 | 1,300,000 | 1,989,000 |
| Income tax | 134,000 | 273,000 | 442,000 | 676,000 |
| Net income | 261,000 | 531,000 | 858,000 | 1,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,220,000 | 10,435,000 | 10,701,000 | 10,966,000 |
| Total capital | 11,279,000 | 11,483,000 | 11,780,000 | 12,119,000 |
| Risk-weighted assets | 92,321,000 | 94,434,000 | 96,074,000 | 98,572,000 |