Call reports 2004
BANKESB — 2004
What BANKESB 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 | 605,219,000 | 622,701,000 | 628,469,000 | 635,247,000 |
| Total loans | 429,413,000 | 453,333,000 | 459,389,000 | 468,151,000 |
| Allowance for loan losses | 2,974,000 | 3,023,000 | 3,055,000 | 3,150,000 |
| Securities available for sale | 124,591,000 | 123,428,000 | 123,938,000 | 124,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 492,525,000 | 490,274,000 | 498,078,000 | 497,799,000 |
| Interest-bearing deposits | 461,034,000 | 456,548,000 | 466,763,000 | 464,293,000 |
| Noninterest-bearing deposits | 31,491,000 | 33,726,000 | 31,315,000 | 33,506,000 |
| Equity capital | 71,380,000 | 71,525,000 | 73,613,000 | 75,124,000 |
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 | 6,939,000 | 13,982,000 | 21,253,000 | 28,644,000 |
| Interest expense | 2,267,000 | 4,491,000 | 6,788,000 | 9,165,000 |
| Net interest income | 4,672,000 | 9,491,000 | 14,465,000 | 19,479,000 |
| Noninterest income | 444,000 | 998,000 | 1,985,000 | 3,081,000 |
| Noninterest expense | 3,077,000 | 6,096,000 | 9,332,000 | 12,967,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 263,000 |
| Pretax income | 2,042,000 | 4,369,000 | 7,088,000 | 9,645,000 |
| Income tax | 743,000 | 1,582,000 | 2,523,000 | 3,383,000 |
| Net income | 1,299,000 | 2,787,000 | 4,565,000 | 6,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,183,000 | 71,476,000 | 73,200,000 | 75,146,000 |
| Total capital | 73,300,000 | 74,499,000 | 76,255,000 | 78,296,000 |
| Risk-weighted assets | 350,270,000 | 361,521,000 | 367,068,000 | 370,415,000 |