Call reports 2004
FIRST CITY BANK — 2004
What FIRST CITY 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 | 52,084,000 | 53,580,000 | 54,039,000 | 52,413,000 |
| Total loans | 42,347,000 | 43,669,000 | 42,728,000 | 41,610,000 |
| Allowance for loan losses | 432,000 | 481,000 | 467,000 | 477,000 |
| Securities available for sale | 6,902,000 | 6,629,000 | 6,161,000 | 6,476,000 |
| Securities held to maturity | 123,000 | 21,000 | 12,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,426,000 | 45,776,000 | 46,867,000 | 45,201,000 |
| Interest-bearing deposits | 41,602,000 | 42,990,000 | 43,907,000 | 42,994,000 |
| Noninterest-bearing deposits | 2,824,000 | 2,786,000 | 2,960,000 | 2,207,000 |
| Equity capital | 3,902,000 | 4,009,000 | 4,158,000 | 4,211,000 |
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 | 760,000 | 1,556,000 | 2,350,000 | 3,118,000 |
| Interest expense | 243,000 | 482,000 | 734,000 | 996,000 |
| Net interest income | 517,000 | 1,074,000 | 1,616,000 | 2,122,000 |
| Noninterest income | 20,000 | 15,000 | 24,000 | 31,000 |
| Noninterest expense | 372,000 | 496,000 | 860,000 | 1,231,000 |
| Provision for loan losses | 23,000 | 72,000 | 87,000 | 96,000 |
| Pretax income | 142,000 | 521,000 | 693,000 | 826,000 |
| Income tax | 81,000 | 81,000 | 78,000 | 78,000 |
| Net income | 61,000 | 440,000 | 615,000 | 748,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,845,000 | 3,998,000 | 4,122,000 | 4,185,000 |
| Total capital | 4,767,000 | 4,917,000 | 5,047,000 | 5,096,000 |
| Risk-weighted assets | 33,731,000 | 33,445,000 | 33,988,000 | 32,866,000 |