Call reports 2004
FIRST SOUND BANK — 2004
What FIRST SOUND BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Total assets | 23,634,000 | 46,452,000 |
| Total loans | 12,349,000 | 23,238,000 |
| Allowance for loan losses | 154,000 | 290,000 |
| Securities available for sale | 5,413,000 | 5,297,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 4,672,000 | 28,092,000 |
| Interest-bearing deposits | 4,162,000 | 25,145,000 |
| Noninterest-bearing deposits | 510,000 | 2,947,000 |
| Equity capital | 18,867,000 | 18,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Interest income | 87,000 | 394,000 |
| Interest expense | 4,000 | 69,000 |
| Net interest income | 83,000 | 325,000 |
| Noninterest income | 0 | 1,000 |
| Noninterest expense | 719,000 | 1,407,000 |
| Provision for loan losses | 154,000 | 290,000 |
| Pretax income | -790,000 | -1,371,000 |
| Income tax | 0 | 0 |
| Net income | -790,000 | -1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q3 | 2004Q4 |
|---|---|---|
| Tier 1 capital | 18,835,000 | 18,254,000 |
| Total capital | 18,989,000 | 18,544,000 |
| Risk-weighted assets | 16,012,000 | 33,066,000 |