Call reports 2004
PORT CITY CAPITAL BANK — 2004
What PORT CITY CAPITAL 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 | 85,593,000 | 91,075,000 | 99,799,000 | 101,762,000 |
| Total loans | 61,216,000 | 70,296,000 | 78,220,000 | 84,264,000 |
| Allowance for loan losses | 893,000 | 1,001,000 | 1,066,000 | 1,122,000 |
| Securities available for sale | 9,978,000 | 9,054,000 | 10,938,000 | 11,409,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,481,000 | 83,167,000 | 91,283,000 | 92,996,000 |
| Interest-bearing deposits | 65,288,000 | 71,646,000 | 82,120,000 | 83,349,000 |
| Noninterest-bearing deposits | 12,193,000 | 11,521,000 | 9,163,000 | 9,647,000 |
| Equity capital | 8,006,000 | 7,779,000 | 8,380,000 | 8,618,000 |
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 | 926,000 | 1,967,000 | 3,198,000 | 4,620,000 |
| Interest expense | 298,000 | 632,000 | 1,050,000 | 1,585,000 |
| Net interest income | 628,000 | 1,335,000 | 2,148,000 | 3,035,000 |
| Noninterest income | 9,000 | 25,000 | 40,000 | 60,000 |
| Noninterest expense | 441,000 | 889,000 | 1,362,000 | 1,927,000 |
| Provision for loan losses | 57,000 | 165,000 | 230,000 | 286,000 |
| Pretax income | 139,000 | 306,000 | 596,000 | 882,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 139,000 | 306,000 | 596,000 | 882,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,001,000 | 8,168,000 | 8,457,000 | 8,743,000 |
| Total capital | 8,815,000 | 9,090,000 | 9,474,000 | 9,812,000 |
| Risk-weighted assets | 65,056,000 | 73,725,000 | 81,320,000 | 85,502,000 |
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