Call reports 2004
CURRENCY BANK — 2004
What CURRENCY 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 | 16,058,000 | 16,466,000 | 16,956,000 | 16,058,000 |
| Total loans | 7,872,000 | 8,349,000 | 7,230,000 | 7,904,000 |
| Allowance for loan losses | 80,000 | 83,000 | 83,000 | 93,000 |
| Securities available for sale | 5,582,000 | 5,315,000 | 4,020,000 | 6,488,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,712,000 | 14,146,000 | 14,594,000 | 13,229,000 |
| Interest-bearing deposits | 11,411,000 | 11,764,000 | 11,858,000 | 10,434,000 |
| Noninterest-bearing deposits | 2,301,000 | 2,382,000 | 2,736,000 | 2,795,000 |
| Equity capital | 2,299,000 | 2,257,000 | 2,275,000 | 2,214,000 |
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 | 197,000 | 401,000 | 565,000 | 777,000 |
| Interest expense | 40,000 | 80,000 | 122,000 | 163,000 |
| Net interest income | 157,000 | 321,000 | 443,000 | 614,000 |
| Noninterest income | 67,000 | 134,000 | 202,000 | 268,000 |
| Noninterest expense | 202,000 | 402,000 | 616,000 | 787,000 |
| Provision for loan losses | 3,000 | 6,000 | 7,000 | 18,000 |
| Pretax income | 19,000 | 47,000 | 51,000 | 101,000 |
| Income tax | 7,000 | 16,000 | 17,000 | 35,000 |
| Net income | 12,000 | 31,000 | 34,000 | 66,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,132,000 | 2,129,000 | 2,140,000 | 2,114,000 |
| Total capital | 2,212,000 | 2,212,000 | 2,223,000 | 2,207,000 |
| Risk-weighted assets | 9,993,000 | 10,463,000 | 10,191,000 | 10,362,000 |