Call reports 2004
CAIRO BANKING COMPANY — 2004
What CAIRO BANKING COMPANY 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 | 82,180,000 | 79,575,000 | 80,779,000 | 92,103,000 |
| Total loans | 38,156,000 | 39,828,000 | 41,710,000 | 37,961,000 |
| Allowance for loan losses | 874,000 | 896,000 | 883,000 | 971,000 |
| Securities available for sale | 26,613,000 | 26,316,000 | 27,028,000 | 25,957,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,607,000 | 65,116,000 | 65,836,000 | 77,003,000 |
| Interest-bearing deposits | 60,230,000 | 58,296,000 | 58,928,000 | 69,502,000 |
| Noninterest-bearing deposits | 7,377,000 | 6,820,000 | 6,908,000 | 7,501,000 |
| Equity capital | 6,180,000 | 6,053,000 | 6,538,000 | 6,637,000 |
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 | 916,000 | 1,821,000 | 2,828,000 | 3,854,000 |
| Interest expense | 296,000 | 579,000 | 859,000 | 1,142,000 |
| Net interest income | 620,000 | 1,242,000 | 1,969,000 | 2,712,000 |
| Noninterest income | 193,000 | 393,000 | 603,000 | 781,000 |
| Noninterest expense | 502,000 | 992,000 | 1,525,000 | 2,055,000 |
| Provision for loan losses | -51,000 | -50,000 | -1,000 | 75,000 |
| Pretax income | 362,000 | 693,000 | 1,048,000 | 1,363,000 |
| Income tax | 117,000 | 223,000 | 338,000 | 460,000 |
| Net income | 245,000 | 470,000 | 710,000 | 903,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,954,000 | 6,179,000 | 6,420,000 | 6,613,000 |
| Total capital | 6,572,000 | 6,821,000 | 7,079,000 | 7,255,000 |
| Risk-weighted assets | 49,192,000 | 51,126,000 | 52,517,000 | 51,084,000 |