Call reports 2004
FOSTER BANK, THE — 2004
What FOSTER 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 | 320,591,000 | 338,379,000 | 344,847,000 | 354,334,000 |
| Total loans | 244,483,000 | 271,804,000 | 278,677,000 | 287,614,000 |
| Allowance for loan losses | 1,919,000 | 2,007,000 | 2,088,000 | 2,249,000 |
| Securities available for sale | 59,722,000 | 51,455,000 | 48,539,000 | 45,512,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 276,611,000 | 289,624,000 | 292,500,000 | 310,684,000 |
| Interest-bearing deposits | 190,856,000 | 194,033,000 | 201,228,000 | 212,264,000 |
| Noninterest-bearing deposits | 85,755,000 | 95,591,000 | 91,272,000 | 98,420,000 |
| Equity capital | 20,758,000 | 20,215,000 | 21,517,000 | 30,052,000 |
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 | 3,929,000 | 8,268,000 | 12,829,000 | 17,682,000 |
| Interest expense | 739,000 | 1,516,000 | 2,391,000 | 3,346,000 |
| Net interest income | 3,190,000 | 6,752,000 | 10,438,000 | 14,336,000 |
| Noninterest income | 955,000 | 2,041,000 | 2,942,000 | 4,041,000 |
| Noninterest expense | 2,806,000 | 5,641,000 | 8,888,000 | 12,331,000 |
| Provision for loan losses | 90,000 | 330,000 | 450,000 | 620,000 |
| Pretax income | 1,249,000 | 2,822,000 | 4,042,000 | 5,426,000 |
| Income tax | 16,000 | 31,000 | 46,000 | 91,000 |
| Net income | 1,233,000 | 2,791,000 | 3,996,000 | 5,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,046,000 | 20,572,000 | 21,149,000 | 29,496,000 |
| Total capital | 21,965,000 | 22,579,000 | 23,237,000 | 31,745,000 |
| Risk-weighted assets | 247,679,000 | 265,088,000 | 267,784,000 | 282,374,000 |