Call reports 2004
TRADERS BANK, INC. — 2004
What TRADERS BANK, INC. 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 | 116,413,000 | 115,773,000 | 110,338,000 | 110,593,000 |
| Total loans | 89,774,000 | 85,310,000 | 81,616,000 | 75,204,000 |
| Allowance for loan losses | 2,424,000 | 2,462,000 | 2,454,000 | 2,069,000 |
| Securities available for sale | 15,133,000 | 18,287,000 | 16,672,000 | 23,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,758,000 | 101,203,000 | 95,362,000 | 95,556,000 |
| Interest-bearing deposits | 87,132,000 | 86,258,000 | 79,837,000 | 81,091,000 |
| Noninterest-bearing deposits | 14,626,000 | 14,945,000 | 15,525,000 | 14,465,000 |
| Equity capital | 14,077,000 | 13,983,000 | 14,444,000 | 14,463,000 |
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 | 1,657,000 | 3,037,000 | 4,533,000 | 6,043,000 |
| Interest expense | 330,000 | 641,000 | 947,000 | 1,253,000 |
| Net interest income | 1,327,000 | 2,396,000 | 3,586,000 | 4,790,000 |
| Noninterest income | 122,000 | 268,000 | 418,000 | 639,000 |
| Noninterest expense | 991,000 | 2,068,000 | 3,096,000 | 4,014,000 |
| Provision for loan losses | 475,000 | 520,000 | 550,000 | 1,480,000 |
| Pretax income | -11,000 | 82,000 | 364,000 | -57,000 |
| Income tax | 72,000 | 82,000 | 190,000 | -221,000 |
| Net income | -83,000 | 0 | 174,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,229,000 | 14,307,000 | 14,444,000 | 14,471,000 |
| Total capital | 15,362,000 | 15,397,000 | 15,498,000 | 15,418,000 |
| Risk-weighted assets | 89,402,000 | 85,837,000 | 82,927,000 | 74,645,000 |