Call reports 2004
BELLS BANKING COMPANY — 2004
What BELLS BANKING COMPANY 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 | 33,772,000 | 32,428,000 | 31,937,000 | 32,705,000 |
| Total loans | 12,039,000 | 11,881,000 | 11,885,000 | 11,335,000 |
| Allowance for loan losses | 219,000 | 218,000 | 222,000 | 225,000 |
| Securities available for sale | 7,820,000 | 8,671,000 | 8,429,000 | 7,975,000 |
| Securities held to maturity | 1,311,000 | 1,281,000 | 1,281,000 | 1,631,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,012,000 | 27,785,000 | 27,085,000 | 27,886,000 |
| Interest-bearing deposits | 25,612,000 | 25,152,000 | 24,184,000 | 24,576,000 |
| Noninterest-bearing deposits | 3,400,000 | 2,633,000 | 2,901,000 | 3,310,000 |
| Equity capital | 4,494,000 | 4,416,000 | 4,563,000 | 4,577,000 |
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 | 353,000 | 713,000 | 1,075,000 | 1,439,000 |
| Interest expense | 87,000 | 168,000 | 247,000 | 337,000 |
| Net interest income | 266,000 | 545,000 | 828,000 | 1,102,000 |
| Noninterest income | 14,000 | 28,000 | 41,000 | 56,000 |
| Noninterest expense | 223,000 | 443,000 | 675,000 | 893,000 |
| Provision for loan losses | 4,000 | 4,000 | 4,000 | 4,000 |
| Pretax income | 54,000 | 127,000 | 193,000 | 264,000 |
| Income tax | 5,000 | 17,000 | 21,000 | 28,000 |
| Net income | 49,000 | 110,000 | 172,000 | 236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,374,000 | 4,426,000 | 4,494,000 | 4,545,000 |
| Total capital | 4,578,000 | 4,619,000 | 4,683,000 | 4,741,000 |
| Risk-weighted assets | 16,317,000 | 15,382,000 | 15,087,000 | 15,681,000 |