Call reports 2004
COMMUNITY BANK OF OELWEIN — 2004
What COMMUNITY BANK OF OELWEIN 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 | 40,853,000 | 40,009,000 | 39,235,000 | 39,211,000 |
| Total loans | 33,565,000 | 31,850,000 | 32,322,000 | 31,187,000 |
| Allowance for loan losses | 432,000 | 390,000 | 406,000 | 385,000 |
| Securities available for sale | 1,135,000 | 1,529,000 | 1,773,000 | 1,983,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,447,000 | 33,560,000 | 32,700,000 | 32,606,000 |
| Interest-bearing deposits | 32,786,000 | 31,876,000 | 30,850,000 | 30,645,000 |
| Noninterest-bearing deposits | 1,661,000 | 1,684,000 | 1,850,000 | 1,961,000 |
| Equity capital | 3,105,000 | 3,177,000 | 3,264,000 | 3,284,000 |
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 | 610,000 | 1,188,000 | 1,779,000 | 2,356,000 |
| Interest expense | 267,000 | 509,000 | 754,000 | 1,002,000 |
| Net interest income | 343,000 | 679,000 | 1,025,000 | 1,354,000 |
| Noninterest income | 55,000 | 149,000 | 209,000 | 263,000 |
| Noninterest expense | 265,000 | 525,000 | 790,000 | 1,100,000 |
| Provision for loan losses | 30,000 | 70,000 | 92,000 | 92,000 |
| Pretax income | 103,000 | 233,000 | 352,000 | 425,000 |
| Income tax | 39,000 | 87,000 | 129,000 | 154,000 |
| Net income | 64,000 | 146,000 | 223,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,097,000 | 3,178,000 | 3,256,000 | 3,283,000 |
| Total capital | 3,497,000 | 3,568,000 | 3,649,000 | 3,664,000 |
| Risk-weighted assets | 32,724,000 | 31,532,000 | 31,785,000 | 30,513,000 |