Call reports 2004
ALTON BANK — 2004
What ALTON 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 | 41,218,000 | 41,057,000 | 41,495,000 | 42,051,000 |
| Total loans | 18,759,000 | 19,377,000 | 19,345,000 | 19,795,000 |
| Allowance for loan losses | 226,000 | 240,000 | 247,000 | 249,000 |
| Securities available for sale | 4,862,000 | 6,336,000 | 3,771,000 | 3,744,000 |
| Securities held to maturity | 13,669,000 | 12,355,000 | 14,723,000 | 13,547,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,853,000 | 34,596,000 | 34,915,000 | 35,468,000 |
| Interest-bearing deposits | 29,598,000 | 28,932,000 | 29,022,000 | 30,434,000 |
| Noninterest-bearing deposits | 5,255,000 | 5,664,000 | 5,893,000 | 5,034,000 |
| Equity capital | 6,265,000 | 6,329,000 | 6,404,000 | 6,486,000 |
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 | 524,000 | 1,043,000 | 1,581,000 | 2,128,000 |
| Interest expense | 119,000 | 228,000 | 341,000 | 468,000 |
| Net interest income | 405,000 | 815,000 | 1,240,000 | 1,660,000 |
| Noninterest income | 39,000 | 94,000 | 141,000 | 208,000 |
| Noninterest expense | 259,000 | 509,000 | 754,000 | 1,025,000 |
| Provision for loan losses | 15,000 | 30,000 | 39,000 | 45,000 |
| Pretax income | 170,000 | 370,000 | 588,000 | 798,000 |
| Income tax | 39,000 | 48,000 | 58,000 | 64,000 |
| Net income | 131,000 | 322,000 | 530,000 | 734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,243,000 | 6,363,000 | 6,403,000 | 6,498,000 |
| Total capital | 6,469,000 | 6,603,000 | 6,650,000 | 6,747,000 |
| Risk-weighted assets | 20,511,000 | 20,974,000 | 20,896,000 | 20,696,000 |