Call reports 2004
FIRST BANK OF BANCROFT — 2004
What FIRST BANK OF BANCROFT 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 | 14,952,000 | 14,727,000 | 14,500,000 | 14,365,000 |
| Total loans | 10,751,000 | 10,906,000 | 10,605,000 | 11,056,000 |
| Allowance for loan losses | 181,000 | 181,000 | 181,000 | 181,000 |
| Securities available for sale | 2,093,000 | 2,011,000 | 2,157,000 | 1,668,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,954,000 | 11,731,000 | 11,415,000 | 11,423,000 |
| Interest-bearing deposits | 10,419,000 | 9,929,000 | 9,579,000 | 9,527,000 |
| Noninterest-bearing deposits | 1,535,000 | 1,802,000 | 1,836,000 | 1,896,000 |
| Equity capital | 2,801,000 | 2,813,000 | 2,856,000 | 2,765,000 |
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 | 257,000 | 460,000 | 665,000 | 870,000 |
| Interest expense | 38,000 | 74,000 | 113,000 | 155,000 |
| Net interest income | 219,000 | 386,000 | 552,000 | 715,000 |
| Noninterest income | 15,000 | 29,000 | 45,000 | 62,000 |
| Noninterest expense | 124,000 | 242,000 | 374,000 | 520,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 110,000 | 173,000 | 223,000 | 257,000 |
| Income tax | 12,000 | 30,000 | 58,000 | 76,000 |
| Net income | 98,000 | 143,000 | 165,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,777,000 | 2,821,000 | 2,844,000 | 2,760,000 |
| Total capital | 2,915,000 | 2,950,000 | 2,972,000 | 2,891,000 |
| Risk-weighted assets | 10,980,000 | 10,240,000 | 10,194,000 | 10,413,000 |