Call reports 2004
ALLAIRE COMMUNITY BANK — 2004
What ALLAIRE COMMUNITY 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 | 189,161,000 | 205,961,000 | 206,186,000 | 200,843,000 |
| Total loans | 114,738,000 | 117,685,000 | 118,311,000 | 120,568,000 |
| Allowance for loan losses | 1,131,000 | 1,155,000 | 1,172,000 | 1,203,000 |
| Securities available for sale | 43,256,000 | 52,940,000 | 54,225,000 | 56,875,000 |
| Securities held to maturity | 12,100,000 | 12,100,000 | 10,326,000 | 8,866,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,083,000 | 190,178,000 | 188,801,000 | 169,863,000 |
| Interest-bearing deposits | 134,052,000 | 146,087,000 | 144,957,000 | 130,626,000 |
| Noninterest-bearing deposits | 38,031,000 | 44,091,000 | 43,844,000 | 39,237,000 |
| Equity capital | 14,648,000 | 13,934,000 | 15,551,000 | 15,846,000 |
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 | 2,460,000 | 5,005,000 | 7,697,000 | 10,419,000 |
| Interest expense | 442,000 | 901,000 | 1,374,000 | 1,845,000 |
| Net interest income | 2,018,000 | 4,104,000 | 6,323,000 | 8,574,000 |
| Noninterest income | 142,000 | 292,000 | 451,000 | 601,000 |
| Noninterest expense | 1,421,000 | 2,982,000 | 4,582,000 | 6,183,000 |
| Provision for loan losses | 41,000 | 65,000 | 82,000 | 113,000 |
| Pretax income | 709,000 | 1,360,000 | 2,121,000 | 2,890,000 |
| Income tax | 249,000 | 505,000 | 815,000 | 1,122,000 |
| Net income | 460,000 | 855,000 | 1,306,000 | 1,768,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,410,000 | 14,806,000 | 15,467,000 | 16,029,000 |
| Total capital | 15,541,000 | 15,961,000 | 16,639,000 | 17,232,000 |
| Risk-weighted assets | 131,747,000 | 138,656,000 | 139,469,000 | 141,056,000 |