Call reports 2004
COLDWATER NATIVE BANK, THE — 2004
What COLDWATER NATIVE BANK, THE 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 | 15,117,000 | 14,859,000 | 14,420,000 | 15,379,000 |
| Total loans | 2,406,000 | 2,484,000 | 2,553,000 | 2,675,000 |
| Allowance for loan losses | 62,000 | 63,000 | 64,000 | 65,000 |
| Securities available for sale | 8,880,000 | 9,389,000 | 8,896,000 | 9,079,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,747,000 | 11,760,000 | 11,092,000 | 12,130,000 |
| Interest-bearing deposits | 10,286,000 | 10,184,000 | 9,334,000 | 10,490,000 |
| Noninterest-bearing deposits | 1,461,000 | 1,576,000 | 1,758,000 | 1,640,000 |
| Equity capital | 3,259,000 | 3,067,000 | 3,240,000 | 3,192,000 |
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 | 154,000 | 304,000 | 463,000 | 617,000 |
| Interest expense | 27,000 | 51,000 | 75,000 | 100,000 |
| Net interest income | 127,000 | 253,000 | 388,000 | 517,000 |
| Noninterest income | 8,000 | 19,000 | 23,000 | 32,000 |
| Noninterest expense | 126,000 | 234,000 | 350,000 | 470,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 9,000 | 38,000 | 61,000 | 79,000 |
| Income tax | 2,000 | 11,000 | 17,000 | 17,000 |
| Net income | 7,000 | 27,000 | 44,000 | 62,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,205,000 | 3,225,000 | 3,242,000 | 3,236,000 |
| Total capital | 3,267,000 | 3,288,000 | 3,306,000 | 3,301,000 |
| Risk-weighted assets | 5,082,000 | 5,136,000 | 4,947,000 | 5,209,000 |