Call reports 2004
SOLUTIONSBANK — 2004
What SOLUTIONSBANK 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 | 121,398,000 | 132,753,000 | 164,534,000 | 176,570,000 |
| Total loans | 83,913,000 | 95,172,000 | 124,052,000 | 139,662,000 |
| Allowance for loan losses | 986,000 | 1,233,000 | 1,282,000 | 1,283,000 |
| Securities available for sale | 23,082,000 | 22,003,000 | 16,698,000 | 16,825,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,581,000 | 93,887,000 | 125,166,000 | 135,470,000 |
| Interest-bearing deposits | 77,552,000 | 79,025,000 | 110,306,000 | 118,484,000 |
| Noninterest-bearing deposits | 14,029,000 | 14,862,000 | 14,860,000 | 16,986,000 |
| Equity capital | 13,101,000 | 16,511,000 | 16,865,000 | 17,025,000 |
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 | 1,473,000 | 3,004,000 | 4,868,000 | 7,167,000 |
| Interest expense | 363,000 | 730,000 | 1,272,000 | 1,938,000 |
| Net interest income | 1,110,000 | 2,274,000 | 3,596,000 | 5,229,000 |
| Noninterest income | 168,000 | 355,000 | 571,000 | 790,000 |
| Noninterest expense | 1,110,000 | 2,286,000 | 3,549,000 | 4,870,000 |
| Provision for loan losses | 30,000 | 60,000 | 130,000 | 330,000 |
| Pretax income | 138,000 | 283,000 | 473,000 | 804,000 |
| Income tax | 55,000 | 107,000 | 172,000 | 301,000 |
| Net income | 83,000 | 176,000 | 301,000 | 503,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,735,000 | 13,509,000 | 13,665,000 | 13,898,000 |
| Total capital | 10,721,000 | 14,742,000 | 14,947,000 | 15,181,000 |
| Risk-weighted assets | 88,846,000 | 100,433,000 | 129,147,000 | 144,824,000 |