Call reports 2004
BENCHMARK BANK — 2004
What BENCHMARK 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 | 157,927,000 | 160,334,000 | 163,014,000 | 160,188,000 |
| Total loans | 123,932,000 | 123,444,000 | 125,138,000 | 124,462,000 |
| Allowance for loan losses | 1,321,000 | 1,358,000 | 1,455,000 | 1,529,000 |
| Securities available for sale | 27,884,000 | 29,718,000 | 32,717,000 | 31,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,295,000 | 140,674,000 | 133,013,000 | 135,634,000 |
| Interest-bearing deposits | 120,559,000 | 118,119,000 | 112,411,000 | 113,693,000 |
| Noninterest-bearing deposits | 18,736,000 | 22,555,000 | 20,601,000 | 21,941,000 |
| Equity capital | 14,324,000 | 14,065,000 | 14,813,000 | 15,133,000 |
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 | 1,918,000 | 3,921,000 | 6,012,000 | 8,224,000 |
| Interest expense | 619,000 | 1,261,000 | 1,911,000 | 2,602,000 |
| Net interest income | 1,299,000 | 2,660,000 | 4,101,000 | 5,622,000 |
| Noninterest income | 259,000 | 537,000 | 794,000 | 1,060,000 |
| Noninterest expense | 1,062,000 | 2,180,000 | 3,348,000 | 4,577,000 |
| Provision for loan losses | 81,000 | 202,000 | 303,000 | 384,000 |
| Pretax income | 415,000 | 824,000 | 1,253,000 | 1,730,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 415,000 | 824,000 | 1,253,000 | 1,730,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,387,000 | 13,796,000 | 14,224,000 | 14,702,000 |
| Total capital | 14,708,000 | 15,154,000 | 15,679,000 | 16,231,000 |
| Risk-weighted assets | 140,141,000 | 140,386,000 | 139,368,000 | 136,713,000 |