Call reports 2004
DEDICATED COMMUNITY BANK — 2004
What DEDICATED COMMUNITY 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 | 37,379,000 | 36,168,000 | 39,741,000 | 36,217,000 |
| Total loans | 20,033,000 | 19,708,000 | 20,773,000 | 20,518,000 |
| Allowance for loan losses | 225,000 | 221,000 | 234,000 | 230,000 |
| Securities available for sale | 10,854,000 | 10,565,000 | 11,490,000 | 11,095,000 |
| Securities held to maturity | 597,000 | 511,000 | 511,000 | 510,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,313,000 | 32,275,000 | 35,572,000 | 32,136,000 |
| Interest-bearing deposits | 27,439,000 | 26,519,000 | 29,972,000 | 26,516,000 |
| Noninterest-bearing deposits | 5,874,000 | 5,756,000 | 5,600,000 | 5,620,000 |
| Equity capital | 3,939,000 | 3,781,000 | 4,030,000 | 3,940,000 |
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 | 446,000 | 896,000 | 1,352,000 | 1,828,000 |
| Interest expense | 85,000 | 163,000 | 246,000 | 326,000 |
| Net interest income | 361,000 | 733,000 | 1,106,000 | 1,502,000 |
| Noninterest income | 93,000 | 176,000 | 271,000 | 352,000 |
| Noninterest expense | 297,000 | 602,000 | 925,000 | 1,262,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 66,000 |
| Pretax income | 139,000 | 271,000 | 398,000 | 526,000 |
| Income tax | 47,000 | 90,000 | 133,000 | 183,000 |
| Net income | 92,000 | 181,000 | 265,000 | 343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,920,000 | 3,997,000 | 4,083,000 | 4,003,000 |
| Total capital | 4,145,000 | 4,218,000 | 4,317,000 | 4,233,000 |
| Risk-weighted assets | 24,000,000 | 23,387,000 | 24,728,000 | 23,976,000 |