Call reports 2004
BLUFF VIEW BANK — 2004
What BLUFF VIEW 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 | 60,016,000 | 61,748,000 | 63,275,000 | 65,273,000 |
| Total loans | 46,396,000 | 47,827,000 | 49,869,000 | 51,789,000 |
| Allowance for loan losses | 625,000 | 671,000 | 669,000 | 666,000 |
| Securities available for sale | 8,242,000 | 9,263,000 | 9,194,000 | 8,903,000 |
| Securities held to maturity | 100,000 | 100,000 | 50,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,735,000 | 51,137,000 | 50,218,000 | 51,902,000 |
| Interest-bearing deposits | 41,319,000 | 42,888,000 | 42,143,000 | 42,503,000 |
| Noninterest-bearing deposits | 8,416,000 | 8,249,000 | 8,075,000 | 9,399,000 |
| Equity capital | 5,761,000 | 5,917,000 | 6,188,000 | 6,348,000 |
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 | 962,000 | 1,929,000 | 2,891,000 | 3,597,000 |
| Interest expense | 260,000 | 517,000 | 777,000 | 1,041,000 |
| Net interest income | 702,000 | 1,412,000 | 2,114,000 | 2,556,000 |
| Noninterest income | 129,000 | 340,000 | 452,000 | 885,000 |
| Noninterest expense | 518,000 | 1,063,000 | 1,609,000 | 2,241,000 |
| Provision for loan losses | 25,000 | 51,000 | 77,000 | 102,000 |
| Pretax income | 297,000 | 784,000 | 1,026,000 | 1,245,000 |
| Income tax | 3,000 | 3,000 | 4,000 | 5,000 |
| Net income | 294,000 | 781,000 | 1,022,000 | 1,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,611,000 | 5,922,000 | 6,070,000 | 6,260,000 |
| Total capital | 6,190,000 | 6,514,000 | 6,695,000 | 6,912,000 |
| Risk-weighted assets | 46,299,000 | 47,307,000 | 49,962,000 | 52,173,000 |