Call reports 2004
ELKHORN VALLEY BANK & TRUST — 2004
What ELKHORN VALLEY BANK & TRUST 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 | 239,775,000 | 244,763,000 | 250,233,000 | 259,314,000 |
| Total loans | 144,657,000 | 145,923,000 | 154,519,000 | 166,981,000 |
| Allowance for loan losses | 2,930,000 | 3,035,000 | 2,728,000 | 2,611,000 |
| Securities available for sale | 71,512,000 | 75,618,000 | 79,028,000 | 74,535,000 |
| Securities held to maturity | 813,000 | 776,000 | 756,000 | 690,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,939,000 | 217,166,000 | 217,361,000 | 223,929,000 |
| Interest-bearing deposits | 197,871,000 | 200,680,000 | 201,138,000 | 205,200,000 |
| Noninterest-bearing deposits | 17,068,000 | 16,486,000 | 16,223,000 | 18,729,000 |
| Equity capital | 20,929,000 | 19,344,000 | 21,848,000 | 21,594,000 |
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 | 3,276,000 | 6,624,000 | 10,096,000 | 13,669,000 |
| Interest expense | 1,072,000 | 2,172,000 | 3,337,000 | 4,590,000 |
| Net interest income | 2,204,000 | 4,452,000 | 6,759,000 | 9,079,000 |
| Noninterest income | 468,000 | 1,014,000 | 1,504,000 | 2,160,000 |
| Noninterest expense | 1,246,000 | 2,503,000 | 3,729,000 | 5,226,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,409,000 | 2,946,000 | 4,517,000 | 5,996,000 |
| Income tax | 436,000 | 913,000 | 1,393,000 | 1,846,000 |
| Net income | 973,000 | 2,033,000 | 3,124,000 | 4,150,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,420,000 | 20,580,000 | 21,671,000 | 21,697,000 |
| Total capital | 22,483,000 | 22,676,000 | 23,855,000 | 24,022,000 |
| Risk-weighted assets | 164,190,000 | 166,713,000 | 174,208,000 | 185,712,000 |