Call reports 2004
FIRST TEAM BANK — 2004
What FIRST TEAM 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 | 216,467,000 | 210,257,000 | 205,598,000 | 206,137,000 |
| Total loans | 90,412,000 | 92,417,000 | 94,188,000 | 96,419,000 |
| Allowance for loan losses | 1,243,000 | 1,235,000 | 1,250,000 | 1,282,000 |
| Securities available for sale | 107,766,000 | 101,216,000 | 91,860,000 | 92,760,000 |
| Securities held to maturity | 1,098,000 | 0 | 0 | 25,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,736,000 | 175,977,000 | 175,101,000 | 174,857,000 |
| Interest-bearing deposits | 158,198,000 | 157,019,000 | 156,402,000 | 156,776,000 |
| Noninterest-bearing deposits | 18,538,000 | 18,958,000 | 18,699,000 | 18,081,000 |
| Equity capital | 20,974,000 | 20,104,000 | 21,251,000 | 19,444,000 |
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 | 2,384,000 | 4,757,000 | 7,087,000 | 9,404,000 |
| Interest expense | 720,000 | 1,395,000 | 2,072,000 | 2,798,000 |
| Net interest income | 1,664,000 | 3,362,000 | 5,015,000 | 6,606,000 |
| Noninterest income | 269,000 | 581,000 | 858,000 | 1,148,000 |
| Noninterest expense | 1,268,000 | 2,553,000 | 4,016,000 | 5,418,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 20,000 |
| Pretax income | 680,000 | 1,526,000 | 2,009,000 | 2,544,000 |
| Income tax | 113,000 | 330,000 | 445,000 | 551,000 |
| Net income | 567,000 | 1,196,000 | 1,564,000 | 1,993,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,123,000 | 18,677,000 | 19,094,000 | 17,572,000 |
| Total capital | 19,366,000 | 19,912,000 | 20,344,000 | 18,854,000 |
| Risk-weighted assets | 114,154,000 | 112,385,000 | 110,202,000 | 115,210,000 |