Call reports 2004
FIRST NEIGHBORHOOD BANK, INC. — 2004
What FIRST NEIGHBORHOOD 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 | 112,698,000 | 114,014,000 | 115,166,000 | 119,118,000 |
| Total loans | 83,338,000 | 84,367,000 | 86,041,000 | 85,600,000 |
| Allowance for loan losses | 959,000 | 980,000 | 1,275,000 | 1,249,000 |
| Securities available for sale | 8,732,000 | 7,334,000 | 5,301,000 | 6,150,000 |
| Securities held to maturity | 9,318,000 | 9,261,000 | 8,875,000 | 9,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,216,000 | 101,411,000 | 102,099,000 | 105,976,000 |
| Interest-bearing deposits | 83,324,000 | 84,531,000 | 84,449,000 | 86,517,000 |
| Noninterest-bearing deposits | 16,892,000 | 16,880,000 | 17,650,000 | 19,459,000 |
| Equity capital | 11,085,000 | 11,076,000 | 11,507,000 | 11,483,000 |
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 | 1,498,000 | 2,992,000 | 4,513,000 | 6,076,000 |
| Interest expense | 408,000 | 812,000 | 1,219,000 | 1,654,000 |
| Net interest income | 1,090,000 | 2,180,000 | 3,294,000 | 4,422,000 |
| Noninterest income | 121,000 | 237,000 | 377,000 | 513,000 |
| Noninterest expense | 881,000 | 1,767,000 | 2,690,000 | 3,646,000 |
| Provision for loan losses | 60,000 | 60,000 | 60,000 | 60,000 |
| Pretax income | 270,000 | 590,000 | 921,000 | 1,229,000 |
| Income tax | 71,000 | 180,000 | 142,000 | 223,000 |
| Net income | 199,000 | 410,000 | 779,000 | 1,006,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,033,000 | 11,121,000 | 11,490,000 | 11,485,000 |
| Total capital | 11,992,000 | 12,101,000 | 12,549,000 | 12,538,000 |
| Risk-weighted assets | 82,345,000 | 83,326,000 | 84,528,000 | 84,656,000 |