Call reports 2004
CFG BANK — 2004
What CFG 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 | 30,696,000 | 30,128,000 | 36,001,000 | 40,132,000 |
| Total loans | 16,779,000 | 18,753,000 | 25,080,000 | 33,171,000 |
| Allowance for loan losses | 294,000 | 304,000 | 312,000 | 315,000 |
| Securities available for sale | 328,000 | 321,000 | 318,000 | 348,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,764,000 | 24,638,000 | 30,854,000 | 34,700,000 |
| Interest-bearing deposits | 22,162,000 | 21,253,000 | 27,470,000 | 32,442,000 |
| Noninterest-bearing deposits | 2,602,000 | 3,385,000 | 3,384,000 | 2,258,000 |
| Equity capital | 5,668,000 | 5,347,000 | 5,000,000 | 5,273,000 |
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 | 330,000 | 676,000 | 1,081,000 | 1,634,000 |
| Interest expense | 174,000 | 342,000 | 528,000 | 780,000 |
| Net interest income | 156,000 | 334,000 | 553,000 | 854,000 |
| Noninterest income | 96,000 | 200,000 | 87,000 | 210,000 |
| Noninterest expense | 610,000 | 1,206,000 | 1,651,000 | 2,332,000 |
| Provision for loan losses | 5,000 | 12,000 | 20,000 | 20,000 |
| Pretax income | -363,000 | -684,000 | -1,031,000 | -1,288,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -363,000 | -684,000 | -1,031,000 | -1,288,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,621,000 | 5,301,000 | 4,955,000 | 4,960,000 |
| Total capital | 5,850,000 | 5,542,000 | 5,243,000 | 5,275,000 |
| Risk-weighted assets | 18,227,000 | 19,256,000 | 22,994,000 | 27,076,000 |