Call reports 2004
ADVANTAGE BANK — 2004
What ADVANTAGE 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 | 135,347,000 | 136,414,000 | 147,571,000 | 146,820,000 |
| Total loans | 97,036,000 | 103,247,000 | 105,082,000 | 109,651,000 |
| Allowance for loan losses | 972,000 | 1,034,000 | 1,052,000 | 1,098,000 |
| Securities available for sale | 15,064,000 | 12,164,000 | 11,250,000 | 10,775,000 |
| Securities held to maturity | 5,957,000 | 6,434,000 | 11,941,000 | 15,152,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,941,000 | 123,154,000 | 133,878,000 | 132,820,000 |
| Interest-bearing deposits | 98,750,000 | 98,570,000 | 108,480,000 | 108,140,000 |
| Noninterest-bearing deposits | 23,191,000 | 24,585,000 | 25,398,000 | 24,680,000 |
| Equity capital | 12,892,000 | 12,778,000 | 13,196,000 | 13,550,000 |
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 | 1,665,000 | 3,369,000 | 5,202,000 | 7,139,000 |
| Interest expense | 378,000 | 755,000 | 1,193,000 | 1,659,000 |
| Net interest income | 1,287,000 | 2,614,000 | 4,009,000 | 5,480,000 |
| Noninterest income | 99,000 | 204,000 | 309,000 | 415,000 |
| Noninterest expense | 1,069,000 | 2,135,000 | 3,231,000 | 4,337,000 |
| Provision for loan losses | 29,000 | 91,000 | 129,000 | 183,000 |
| Pretax income | 288,000 | 601,000 | 967,000 | 1,384,000 |
| Income tax | 115,000 | 231,000 | 377,000 | 525,000 |
| Net income | 173,000 | 370,000 | 590,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,962,000 | 13,166,000 | 13,385,000 | 13,717,000 |
| Total capital | 13,934,000 | 14,200,000 | 14,437,000 | 14,815,000 |
| Risk-weighted assets | 106,225,000 | 109,298,000 | 113,767,000 | 116,610,000 |