Call reports 2004
SYRINGA BANK — 2004
What SYRINGA 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 | 113,737,000 | 120,677,000 | 125,125,000 | 132,235,000 |
| Total loans | 102,058,000 | 106,538,000 | 113,565,000 | 120,196,000 |
| Allowance for loan losses | 1,311,000 | 1,468,000 | 1,497,000 | 1,557,000 |
| Securities available for sale | 7,030,000 | 6,465,000 | 6,545,000 | 7,126,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,972,000 | 106,816,000 | 110,982,000 | 112,783,000 |
| Interest-bearing deposits | 82,172,000 | 91,187,000 | 93,384,000 | 93,392,000 |
| Noninterest-bearing deposits | 15,800,000 | 15,629,000 | 17,598,000 | 19,391,000 |
| Equity capital | 11,966,000 | 11,997,000 | 12,198,000 | 12,688,000 |
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 | 1,598,000 | 3,372,000 | 5,283,000 | 7,362,000 |
| Interest expense | 399,000 | 852,000 | 1,329,000 | 1,813,000 |
| Net interest income | 1,199,000 | 2,520,000 | 3,954,000 | 5,549,000 |
| Noninterest income | 144,000 | 342,000 | 503,000 | 699,000 |
| Noninterest expense | 1,177,000 | 2,398,000 | 3,714,000 | 4,981,000 |
| Provision for loan losses | 189,000 | 351,000 | 411,000 | 553,000 |
| Pretax income | -23,000 | 113,000 | 332,000 | 714,000 |
| Income tax | 1,000 | 41,000 | 99,000 | -26,000 |
| Net income | -24,000 | 72,000 | 233,000 | 740,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,906,000 | 11,996,000 | 12,157,000 | 12,665,000 |
| Total capital | 13,198,000 | 13,323,000 | 13,573,000 | 14,186,000 |
| Risk-weighted assets | 103,364,000 | 106,047,000 | 113,163,000 | 121,626,000 |