Call reports 2004
BANK OF BOURBONNAIS — 2004
What BANK OF BOURBONNAIS 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 | 51,464,000 | 51,946,000 | 53,879,000 | 52,443,000 |
| Total loans | 37,392,000 | 36,520,000 | 35,722,000 | 36,279,000 |
| Allowance for loan losses | 416,000 | 431,000 | 446,000 | 461,000 |
| Securities available for sale | 6,207,000 | 9,437,000 | 8,983,000 | 3,882,000 |
| Securities held to maturity | 1,003,000 | 1,000,000 | 1,000,000 | 1,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,776,000 | 47,032,000 | 49,065,000 | 47,644,000 |
| Interest-bearing deposits | 41,816,000 | 42,182,000 | 44,210,000 | 42,573,000 |
| Noninterest-bearing deposits | 4,960,000 | 4,849,000 | 4,855,000 | 5,071,000 |
| Equity capital | 3,729,000 | 3,650,000 | 3,795,000 | 3,884,000 |
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 | 637,000 | 1,277,000 | 1,947,000 | 2,616,000 |
| Interest expense | 203,000 | 412,000 | 635,000 | 868,000 |
| Net interest income | 434,000 | 865,000 | 1,312,000 | 1,748,000 |
| Noninterest income | 16,000 | 44,000 | 123,000 | 122,000 |
| Noninterest expense | 357,000 | 691,000 | 1,027,000 | 1,339,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 126,000 | 212,000 | 344,000 | 484,000 |
| Income tax | 46,000 | 75,000 | 122,000 | 142,000 |
| Net income | 80,000 | 137,000 | 222,000 | 342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,708,000 | 3,744,000 | 3,809,000 | 3,909,000 |
| Total capital | 4,124,000 | 4,175,000 | 4,255,000 | 4,370,000 |
| Risk-weighted assets | 37,450,000 | 38,038,000 | 39,270,000 | 38,293,000 |