Call reports 2004
SILVER LAKE BANK — 2004
What SILVER LAKE 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 | 153,583,000 | 152,172,000 | 166,055,000 | 165,244,000 |
| Total loans | 117,305,000 | 118,927,000 | 120,788,000 | 128,131,000 |
| Allowance for loan losses | 734,000 | 754,000 | 754,000 | 775,000 |
| Securities available for sale | 11,670,000 | 13,530,000 | 14,601,000 | 14,932,000 |
| Securities held to maturity | 7,025,000 | 7,262,000 | 6,653,000 | 6,225,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,479,000 | 131,168,000 | 140,610,000 | 139,339,000 |
| Interest-bearing deposits | 120,170,000 | 117,120,000 | 121,859,000 | 120,034,000 |
| Noninterest-bearing deposits | 13,309,000 | 14,048,000 | 18,751,000 | 19,305,000 |
| Equity capital | 14,067,000 | 14,159,000 | 14,580,000 | 15,141,000 |
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 | 1,878,000 | 3,775,000 | 5,827,000 | 8,108,000 |
| Interest expense | 620,000 | 1,228,000 | 1,850,000 | 2,533,000 |
| Net interest income | 1,258,000 | 2,547,000 | 3,977,000 | 5,575,000 |
| Noninterest income | 151,000 | 312,000 | 488,000 | 673,000 |
| Noninterest expense | 937,000 | 1,961,000 | 3,028,000 | 4,028,000 |
| Provision for loan losses | 138,000 | 157,000 | 177,000 | 197,000 |
| Pretax income | 334,000 | 741,000 | 1,260,000 | 2,023,000 |
| Income tax | 171,000 | 323,000 | 515,000 | 695,000 |
| Net income | 163,000 | 418,000 | 745,000 | 1,328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,950,000 | 14,208,000 | 14,537,000 | 15,125,000 |
| Total capital | 14,684,000 | 14,962,000 | 15,291,000 | 15,900,000 |
| Risk-weighted assets | 126,159,000 | 128,011,000 | 132,314,000 | 138,067,000 |