Call reports 2004
EFS BANK — 2004
What EFS BANK 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 | 915,546,000 | 946,935,000 | 996,486,000 | 1,001,029,000 |
| Total loans | 716,062,000 | 764,925,000 | 777,516,000 | 812,298,000 |
| Allowance for loan losses | 3,892,000 | 4,080,000 | 4,286,000 | 4,496,000 |
| Securities available for sale | 89,223,000 | 96,684,000 | 106,551,000 | 102,344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 636,739,000 | 648,242,000 | 681,297,000 | 679,315,000 |
| Interest-bearing deposits | 599,051,000 | 607,923,000 | 639,317,000 | 640,150,000 |
| Noninterest-bearing deposits | 37,688,000 | 40,319,000 | 41,980,000 | 39,165,000 |
| Equity capital | 77,016,000 | 75,035,000 | 78,126,000 | 79,619,000 |
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 | 11,488,000 | 22,798,000 | 34,650,000 | 47,144,000 |
| Interest expense | 5,274,000 | 10,575,000 | 16,473,000 | 22,566,000 |
| Net interest income | 6,214,000 | 12,223,000 | 18,177,000 | 24,578,000 |
| Noninterest income | 1,622,000 | 2,840,000 | 4,126,000 | 6,792,000 |
| Noninterest expense | 4,812,000 | 9,796,000 | 14,649,000 | 19,666,000 |
| Provision for loan losses | 150,000 | 340,000 | 550,000 | 760,000 |
| Pretax income | 2,922,000 | 5,176,000 | 7,353,000 | 10,316,000 |
| Income tax | 824,000 | 1,396,000 | 1,932,000 | 2,560,000 |
| Net income | 2,098,000 | 3,780,000 | 5,421,000 | 7,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,306,000 | 75,401,000 | 76,836,000 | 79,213,000 |
| Total capital | 79,198,000 | 79,481,000 | 81,122,000 | 83,709,000 |
| Risk-weighted assets | 647,204,000 | 686,883,000 | 722,703,000 | 726,804,000 |