Call reports 2004
ARCADIAN BANK — 2004
What ARCADIAN 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 | 37,760,000 | 40,772,000 | 41,672,000 | 47,335,000 |
| Total loans | 30,287,000 | 33,268,000 | 34,823,000 | 38,201,000 |
| Allowance for loan losses | 439,000 | 427,000 | 424,000 | 432,000 |
| Securities available for sale | 5,115,000 | 4,372,000 | 4,366,000 | 4,364,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,722,000 | 35,687,000 | 35,061,000 | 40,946,000 |
| Interest-bearing deposits | 30,272,000 | 32,707,000 | 32,087,000 | 36,317,000 |
| Noninterest-bearing deposits | 3,450,000 | 2,980,000 | 2,974,000 | 4,629,000 |
| Equity capital | 3,913,000 | 3,883,000 | 4,066,000 | 4,181,000 |
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 | 556,000 | 1,160,000 | 1,800,000 | 2,487,000 |
| Interest expense | 153,000 | 319,000 | 497,000 | 685,000 |
| Net interest income | 403,000 | 841,000 | 1,303,000 | 1,802,000 |
| Noninterest income | 40,000 | 58,000 | 82,000 | 101,000 |
| Noninterest expense | 328,000 | 653,000 | 972,000 | 1,355,000 |
| Provision for loan losses | 12,000 | 16,000 | 21,000 | 36,000 |
| Pretax income | 103,000 | 230,000 | 392,000 | 512,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 103,000 | 230,000 | 392,000 | 512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,199,000 | 3,321,000 | 3,489,000 | 3,594,000 |
| Total capital | 3,584,000 | 3,742,000 | 3,912,000 | 4,026,000 |
| Risk-weighted assets | 30,528,000 | 33,650,000 | 35,247,000 | 38,989,000 |