Call reports 2004
ADVANTAGE BANK — 2004
What ADVANTAGE 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 | 42,248,000 | 40,417,000 | 39,350,000 | 40,009,000 |
| Total loans | 26,460,000 | 26,823,000 | 27,300,000 | 27,969,000 |
| Allowance for loan losses | 581,000 | 546,000 | 455,000 | 420,000 |
| Securities available for sale | 10,044,000 | 8,964,000 | 7,226,000 | 6,732,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,358,000 | 36,707,000 | 35,310,000 | 36,072,000 |
| Interest-bearing deposits | 27,260,000 | 26,139,000 | 24,698,000 | 25,630,000 |
| Noninterest-bearing deposits | 11,099,000 | 10,568,000 | 10,612,000 | 10,442,000 |
| Equity capital | 3,854,000 | 3,672,000 | 3,996,000 | 3,902,000 |
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 | 656,000 | 1,325,000 | 1,988,000 | 2,660,000 |
| Interest expense | 104,000 | 201,000 | 288,000 | 375,000 |
| Net interest income | 552,000 | 1,124,000 | 1,700,000 | 2,285,000 |
| Noninterest income | 243,000 | 513,000 | 847,000 | 1,101,000 |
| Noninterest expense | 633,000 | 1,268,000 | 2,028,000 | 2,705,000 |
| Provision for loan losses | 119,000 | 124,000 | 124,000 | 159,000 |
| Pretax income | 57,000 | 267,000 | 449,000 | 579,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 57,000 | 267,000 | 449,000 | 579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,573,000 | 3,754,000 | 3,910,000 | 3,866,000 |
| Total capital | 3,938,000 | 4,112,000 | 4,269,000 | 4,234,000 |
| Risk-weighted assets | 28,960,000 | 28,448,000 | 28,628,000 | 29,424,000 |