Call reports 2004
BANK FORWARD — 2004
What BANK FORWARD 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 | 259,719,000 | 276,164,000 | 289,578,000 | 249,765,000 |
| Total loans | 196,946,000 | 219,114,000 | 235,169,000 | 197,297,000 |
| Allowance for loan losses | 2,156,000 | 2,331,000 | 2,438,000 | 1,992,000 |
| Securities available for sale | 35,175,000 | 36,588,000 | 37,065,000 | 35,811,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 227,750,000 | 238,541,000 | 232,473,000 | 202,107,000 |
| Interest-bearing deposits | 200,789,000 | 211,692,000 | 204,326,000 | 174,095,000 |
| Noninterest-bearing deposits | 26,961,000 | 26,849,000 | 28,147,000 | 28,012,000 |
| Equity capital | 18,896,000 | 19,934,000 | 21,720,000 | 21,957,000 |
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 | 3,541,000 | 7,196,000 | 11,393,000 | 15,702,000 |
| Interest expense | 1,089,000 | 2,199,000 | 3,429,000 | 4,761,000 |
| Net interest income | 2,452,000 | 4,997,000 | 7,964,000 | 10,941,000 |
| Noninterest income | 302,000 | 667,000 | 1,103,000 | 2,608,000 |
| Noninterest expense | 2,238,000 | 4,522,000 | 6,829,000 | 10,016,000 |
| Provision for loan losses | 0 | 201,000 | 316,000 | 428,000 |
| Pretax income | 547,000 | 972,000 | 1,972,000 | 3,155,000 |
| Income tax | 36,000 | 73,000 | 110,000 | 217,000 |
| Net income | 511,000 | 899,000 | 1,862,000 | 2,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,316,000 | 20,249,000 | 21,422,000 | 21,848,000 |
| Total capital | 20,472,000 | 22,580,000 | 23,860,000 | 23,840,000 |
| Risk-weighted assets | 199,278,000 | 216,846,000 | 230,699,000 | 195,478,000 |