Call reports 2004
FOUNDERS BANK — 2004
What FOUNDERS 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 | 751,127,000 | 728,257,000 | 737,031,000 | 800,523,000 |
| Total loans | 402,657,000 | 441,635,000 | 486,379,000 | 507,977,000 |
| Allowance for loan losses | 5,311,000 | 5,855,000 | 6,400,000 | 6,398,000 |
| Securities available for sale | 263,334,000 | 218,358,000 | 192,648,000 | 237,764,000 |
| Securities held to maturity | 1,158,000 | 1,182,000 | 1,240,000 | 1,717,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 650,751,000 | 631,771,000 | 629,468,000 | 658,918,000 |
| Interest-bearing deposits | 512,611,000 | 489,709,000 | 492,564,000 | 517,775,000 |
| Noninterest-bearing deposits | 138,140,000 | 142,062,000 | 136,905,000 | 141,142,000 |
| Equity capital | 46,258,000 | 43,283,000 | 49,721,000 | 52,694,000 |
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 | 8,530,000 | 17,043,000 | 26,224,000 | 36,249,000 |
| Interest expense | 1,909,000 | 3,761,000 | 5,683,000 | 7,906,000 |
| Net interest income | 6,621,000 | 13,282,000 | 20,541,000 | 28,343,000 |
| Noninterest income | 1,625,000 | 3,500,000 | 5,341,000 | 7,307,000 |
| Noninterest expense | 5,385,000 | 10,579,000 | 16,334,000 | 23,391,000 |
| Provision for loan losses | 441,000 | 972,000 | 1,582,000 | 1,582,000 |
| Pretax income | 2,420,000 | 5,207,000 | 7,942,000 | 11,214,000 |
| Income tax | 833,000 | 1,810,000 | 2,754,000 | 3,902,000 |
| Net income | 1,587,000 | 3,397,000 | 5,188,000 | 7,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,991,000 | 44,801,000 | 48,591,000 | 52,715,000 |
| Total capital | 48,390,000 | 50,730,000 | 55,122,000 | 59,237,000 |
| Risk-weighted assets | 467,075,000 | 498,420,000 | 539,937,000 | 577,081,000 |