Call reports 2004
BORDER TRUST COMPANY — 2004
What BORDER TRUST 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 | 71,884,000 | 64,003,000 | 65,665,000 | 65,898,000 |
| Total loans | 41,648,000 | 43,633,000 | 44,041,000 | 44,628,000 |
| Allowance for loan losses | 495,000 | 501,000 | 511,000 | 523,000 |
| Securities available for sale | 22,339,000 | 13,536,000 | 15,438,000 | 14,183,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,072,000 | 57,181,000 | 57,789,000 | 57,157,000 |
| Interest-bearing deposits | 54,751,000 | 48,059,000 | 49,061,000 | 47,534,000 |
| Noninterest-bearing deposits | 10,321,000 | 9,122,000 | 8,728,000 | 9,623,000 |
| Equity capital | 5,878,000 | 5,849,000 | 5,951,000 | 5,902,000 |
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 | 962,000 | 1,859,000 | 2,733,000 | 3,640,000 |
| Interest expense | 353,000 | 674,000 | 958,000 | 1,250,000 |
| Net interest income | 609,000 | 1,185,000 | 1,775,000 | 2,390,000 |
| Noninterest income | 109,000 | 681,000 | 803,000 | 870,000 |
| Noninterest expense | 683,000 | 1,390,000 | 2,126,000 | 2,736,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 45,000 | 484,000 | 462,000 | 540,000 |
| Income tax | 3,000 | 144,000 | 131,000 | 149,000 |
| Net income | 42,000 | 340,000 | 331,000 | 391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,535,000 | 5,812,000 | 5,804,000 | 5,842,000 |
| Total capital | 6,068,000 | 6,362,000 | 6,360,000 | 6,399,000 |
| Risk-weighted assets | 50,105,000 | 49,863,000 | 50,479,000 | 50,771,000 |