Call reports 2004
BANK OF ERATH — 2004
What BANK OF ERATH 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 | 60,037,000 | 59,736,000 | 59,052,000 | 61,130,000 |
| Total loans | 26,885,000 | 27,554,000 | 27,458,000 | 28,129,000 |
| Allowance for loan losses | 381,000 | 452,000 | 473,000 | 500,000 |
| Securities available for sale | 27,548,000 | 28,008,000 | 27,112,000 | 29,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,409,000 | 50,071,000 | 49,121,000 | 51,287,000 |
| Interest-bearing deposits | 37,942,000 | 37,210,000 | 36,045,000 | 36,136,000 |
| Noninterest-bearing deposits | 12,467,000 | 12,861,000 | 13,076,000 | 15,151,000 |
| Equity capital | 9,196,000 | 8,850,000 | 9,329,000 | 9,128,000 |
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 | 715,000 | 1,444,000 | 2,182,000 | 2,942,000 |
| Interest expense | 102,000 | 200,000 | 295,000 | 391,000 |
| Net interest income | 613,000 | 1,244,000 | 1,887,000 | 2,551,000 |
| Noninterest income | 127,000 | 283,000 | 432,000 | 562,000 |
| Noninterest expense | 551,000 | 1,097,000 | 1,629,000 | 2,202,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 90,000 |
| Pretax income | 166,000 | 385,000 | 622,000 | 821,000 |
| Income tax | 39,000 | 100,000 | 133,000 | 108,000 |
| Net income | 127,000 | 285,000 | 489,000 | 713,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,723,000 | 8,872,000 | 9,076,000 | 8,994,000 |
| Total capital | 9,104,000 | 9,324,000 | 9,549,000 | 9,494,000 |
| Risk-weighted assets | 37,302,000 | 38,021,000 | 37,486,000 | 43,639,000 |