Call reports 2004
BANK OF PALATINE — 2004
What BANK OF PALATINE 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 | 62,241,000 | 62,589,000 | 62,529,000 | 60,116,000 |
| Total loans | 25,557,000 | 25,548,000 | 24,654,000 | 24,209,000 |
| Allowance for loan losses | 415,000 | 425,000 | 436,000 | 404,000 |
| Securities available for sale | 6,000 | 6,000 | 6,000 | 6,000 |
| Securities held to maturity | 16,006,000 | 16,018,000 | 16,017,000 | 16,019,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,371,000 | 56,604,000 | 56,456,000 | 54,106,000 |
| Interest-bearing deposits | 45,255,000 | 44,837,000 | 44,395,000 | 43,089,000 |
| Noninterest-bearing deposits | 11,116,000 | 11,767,000 | 12,061,000 | 11,017,000 |
| Equity capital | 5,780,000 | 5,864,000 | 5,894,000 | 5,970,000 |
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 | 605,000 | 1,220,000 | 1,835,000 | 2,462,000 |
| Interest expense | 107,000 | 212,000 | 318,000 | 426,000 |
| Net interest income | 498,000 | 1,008,000 | 1,517,000 | 2,036,000 |
| Noninterest income | 88,000 | 176,000 | 257,000 | 361,000 |
| Noninterest expense | 512,000 | 1,017,000 | 1,528,000 | 1,986,000 |
| Provision for loan losses | 6,000 | 15,000 | 24,000 | 0 |
| Pretax income | 68,000 | 152,000 | 222,000 | 411,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 152,000 | 222,000 | 411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,780,000 | 5,864,000 | 5,894,000 | 5,970,000 |
| Total capital | 6,134,000 | 6,208,000 | 6,235,000 | 6,303,000 |
| Risk-weighted assets | 28,220,000 | 27,465,000 | 27,187,000 | 26,576,000 |