Call reports 2004
KLEINBANK — 2004
What KLEINBANK 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 | 62,235,000 | 60,656,000 | 65,071,000 | 69,667,000 |
| Total loans | 46,370,000 | 46,853,000 | 51,575,000 | 55,792,000 |
| Allowance for loan losses | 519,000 | 641,000 | 680,000 | 752,000 |
| Securities available for sale | 8,225,000 | 7,843,000 | 6,876,000 | 6,908,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,105,000 | 45,830,000 | 49,713,000 | 49,684,000 |
| Interest-bearing deposits | 33,136,000 | 32,306,000 | 33,847,000 | 33,727,000 |
| Noninterest-bearing deposits | 14,969,000 | 13,524,000 | 15,866,000 | 15,957,000 |
| Equity capital | 7,801,000 | 7,781,000 | 8,139,000 | 8,269,000 |
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 | 786,000 | 1,713,000 | 2,743,000 | 3,794,000 |
| Interest expense | 118,000 | 259,000 | 411,000 | 577,000 |
| Net interest income | 668,000 | 1,454,000 | 2,332,000 | 3,217,000 |
| Noninterest income | 228,000 | 506,000 | 809,000 | 1,123,000 |
| Noninterest expense | 671,000 | 1,341,000 | 2,014,000 | 2,768,000 |
| Provision for loan losses | 75,000 | 195,000 | 235,000 | 305,000 |
| Pretax income | 150,000 | 423,000 | 891,000 | 1,266,000 |
| Income tax | 1,000 | 2,000 | 3,000 | 4,000 |
| Net income | 149,000 | 421,000 | 888,000 | 1,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,875,000 | 6,003,000 | 6,257,000 | 6,429,000 |
| Total capital | 6,394,000 | 6,644,000 | 6,937,000 | 7,181,000 |
| Risk-weighted assets | 52,249,000 | 53,326,000 | 59,049,000 | 62,359,000 |