Call reports 2004
BANK OF IBERIA — 2004
What BANK OF IBERIA 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 | 48,190,000 | 49,401,000 | 49,537,000 | 49,181,000 |
| Total loans | 34,253,000 | 37,317,000 | 39,779,000 | 39,981,000 |
| Allowance for loan losses | 279,000 | 285,000 | 627,000 | 628,000 |
| Securities available for sale | 6,346,000 | 6,248,000 | 4,336,000 | 4,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,496,000 | 45,298,000 | 45,879,000 | 44,656,000 |
| Interest-bearing deposits | 39,994,000 | 40,994,000 | 41,413,000 | 39,924,000 |
| Noninterest-bearing deposits | 4,502,000 | 4,304,000 | 4,466,000 | 4,732,000 |
| Equity capital | 3,332,000 | 3,346,000 | 3,275,000 | 4,076,000 |
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 | 668,000 | 1,373,000 | 2,119,000 | 2,881,000 |
| Interest expense | 223,000 | 437,000 | 653,000 | 869,000 |
| Net interest income | 445,000 | 936,000 | 1,466,000 | 2,012,000 |
| Noninterest income | 79,000 | 177,000 | 275,000 | 357,000 |
| Noninterest expense | 408,000 | 833,000 | 1,225,000 | 1,707,000 |
| Provision for loan losses | 21,000 | 42,000 | 438,000 | 438,000 |
| Pretax income | 95,000 | 238,000 | 78,000 | 224,000 |
| Income tax | 25,000 | 67,000 | 4,000 | 40,000 |
| Net income | 70,000 | 171,000 | 74,000 | 184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,294,000 | 3,372,000 | 3,273,000 | 4,083,000 |
| Total capital | 3,573,000 | 3,657,000 | 3,714,000 | 4,529,000 |
| Risk-weighted assets | 31,799,000 | 34,085,000 | 35,078,000 | 35,476,000 |