Call reports 2004
FORESIGHT BANK — 2004
What FORESIGHT 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 | 111,755,000 | 115,385,000 | 113,576,000 | 117,054,000 |
| Total loans | 81,941,000 | 87,549,000 | 86,537,000 | 87,223,000 |
| Allowance for loan losses | 1,201,000 | 1,219,000 | 1,143,000 | 989,000 |
| Securities available for sale | 23,369,000 | 23,301,000 | 21,967,000 | 23,678,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,255,000 | 96,376,000 | 96,431,000 | 99,273,000 |
| Interest-bearing deposits | 85,199,000 | 86,108,000 | 86,845,000 | 88,479,000 |
| Noninterest-bearing deposits | 10,056,000 | 10,268,000 | 9,586,000 | 10,794,000 |
| Equity capital | 9,618,000 | 9,416,000 | 9,895,000 | 10,056,000 |
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 | 1,515,000 | 3,081,000 | 4,686,000 | 6,308,000 |
| Interest expense | 512,000 | 1,027,000 | 1,553,000 | 2,102,000 |
| Net interest income | 1,003,000 | 2,054,000 | 3,133,000 | 4,206,000 |
| Noninterest income | 92,000 | 202,000 | 331,000 | 458,000 |
| Noninterest expense | 648,000 | 1,315,000 | 1,972,000 | 2,634,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 402,000 | 858,000 | 1,371,000 | 1,864,000 |
| Income tax | 112,000 | 242,000 | 393,000 | 541,000 |
| Net income | 290,000 | 616,000 | 978,000 | 1,323,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,183,000 | 9,384,000 | 9,621,000 | 9,840,000 |
| Total capital | 10,184,000 | 10,470,000 | 10,684,000 | 10,829,000 |
| Risk-weighted assets | 79,859,000 | 86,716,000 | 84,950,000 | 87,092,000 |