Call reports 2004
PENINSULA BANK, THE — 2004
What PENINSULA 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 | 119,090,000 | 120,333,000 | 124,049,000 | 120,481,000 |
| Total loans | 92,789,000 | 95,352,000 | 93,090,000 | 91,652,000 |
| Allowance for loan losses | 1,217,000 | 1,193,000 | 1,115,000 | 1,151,000 |
| Securities available for sale | 5,293,000 | 5,389,000 | 6,689,000 | 6,990,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,667,000 | 101,472,000 | 104,665,000 | 101,781,000 |
| Interest-bearing deposits | 91,009,000 | 92,275,000 | 92,850,000 | 90,989,000 |
| Noninterest-bearing deposits | 8,658,000 | 9,197,000 | 11,815,000 | 10,792,000 |
| Equity capital | 10,927,000 | 11,017,000 | 11,427,000 | 11,377,000 |
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 | 1,624,000 | 3,290,000 | 4,972,000 | 6,673,000 |
| Interest expense | 476,000 | 949,000 | 1,432,000 | 1,905,000 |
| Net interest income | 1,148,000 | 2,341,000 | 3,540,000 | 4,768,000 |
| Noninterest income | 157,000 | 324,000 | 517,000 | 712,000 |
| Noninterest expense | 855,000 | 1,674,000 | 2,548,000 | 3,464,000 |
| Provision for loan losses | 65,000 | 120,000 | 190,000 | 260,000 |
| Pretax income | 385,000 | 871,000 | 1,319,000 | 1,756,000 |
| Income tax | 123,000 | 261,000 | 366,000 | 514,000 |
| Net income | 262,000 | 610,000 | 953,000 | 1,242,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,740,000 | 10,937,000 | 11,280,000 | 11,252,000 |
| Total capital | 11,695,000 | 11,921,000 | 12,265,000 | 12,237,000 |
| Risk-weighted assets | 76,083,000 | 78,538,000 | 78,707,000 | 78,654,000 |