Call reports 2004
BANK OF NEW CAMBRIA — 2004
What BANK OF NEW CAMBRIA 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 | 27,152,000 | 27,919,000 | 28,332,000 | 29,209,000 |
| Total loans | 14,991,000 | 15,814,000 | 16,458,000 | 16,018,000 |
| Allowance for loan losses | 165,000 | 168,000 | 164,000 | 166,000 |
| Securities available for sale | 9,073,000 | 7,892,000 | 7,598,000 | 8,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,025,000 | 24,931,000 | 25,232,000 | 26,243,000 |
| Interest-bearing deposits | 21,287,000 | 21,930,000 | 22,568,000 | 23,478,000 |
| Noninterest-bearing deposits | 2,738,000 | 3,001,000 | 2,664,000 | 2,765,000 |
| Equity capital | 2,996,000 | 2,911,000 | 2,987,000 | 2,896,000 |
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 | 303,000 | 610,000 | 927,000 | 1,252,000 |
| Interest expense | 82,000 | 163,000 | 249,000 | 341,000 |
| Net interest income | 221,000 | 447,000 | 678,000 | 911,000 |
| Noninterest income | 24,000 | 55,000 | 84,000 | 111,000 |
| Noninterest expense | 210,000 | 426,000 | 650,000 | 893,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 15,000 |
| Pretax income | 30,000 | 66,000 | 102,000 | 109,000 |
| Income tax | 6,000 | 11,000 | 15,000 | 9,000 |
| Net income | 24,000 | 55,000 | 87,000 | 100,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,893,000 | 2,924,000 | 2,956,000 | 2,894,000 |
| Total capital | 3,058,000 | 3,092,000 | 3,120,000 | 3,060,000 |
| Risk-weighted assets | 17,897,000 | 18,923,000 | 19,464,000 | 19,251,000 |