Call reports 2004
AFB&T — 2004
What AFB&T 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 | 901,103,000 | 926,763,000 | 968,061,000 | 992,453,000 |
| Total loans | 736,521,000 | 767,262,000 | 804,294,000 | 827,690,000 |
| Allowance for loan losses | 9,179,000 | 9,553,000 | 10,015,000 | 10,058,000 |
| Securities available for sale | 128,432,000 | 121,570,000 | 123,424,000 | 124,152,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 657,054,000 | 674,421,000 | 693,010,000 | 705,960,000 |
| Interest-bearing deposits | 584,095,000 | 593,298,000 | 611,932,000 | 622,277,000 |
| Noninterest-bearing deposits | 72,959,000 | 81,123,000 | 81,078,000 | 83,683,000 |
| Equity capital | 67,216,000 | 68,296,000 | 75,609,000 | 77,367,000 |
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 | 12,066,000 | 24,262,000 | 37,146,000 | 50,481,000 |
| Interest expense | 3,444,000 | 6,798,000 | 10,585,000 | 14,869,000 |
| Net interest income | 8,622,000 | 17,464,000 | 26,561,000 | 35,612,000 |
| Noninterest income | 1,852,000 | 3,938,000 | 6,117,000 | 8,276,000 |
| Noninterest expense | 4,858,000 | 9,606,000 | 14,407,000 | 19,193,000 |
| Provision for loan losses | 254,000 | 739,000 | 1,242,000 | 1,296,000 |
| Pretax income | 5,362,000 | 11,057,000 | 17,029,000 | 23,399,000 |
| Income tax | 1,976,000 | 4,089,000 | 6,305,000 | 8,873,000 |
| Net income | 3,386,000 | 6,968,000 | 10,724,000 | 14,526,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 65,524,000 | 68,413,000 | 74,788,000 | 77,142,000 |
| Total capital | 74,703,000 | 77,966,000 | 84,803,000 | 87,200,000 |
| Risk-weighted assets | 737,873,000 | 777,512,000 | 817,498,000 | 855,714,000 |