Call reports 2004
AFFINITY BANK — 2004
What AFFINITY 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 | 101,927,000 | 118,437,000 | 105,495,000 | 116,025,000 |
| Total loans | 65,714,000 | 70,243,000 | 79,658,000 | 92,192,000 |
| Allowance for loan losses | 850,000 | 1,056,000 | 1,188,000 | 1,283,000 |
| Securities available for sale | 27,564,000 | 29,527,000 | 19,069,000 | 20,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,584,000 | 91,625,000 | 89,109,000 | 105,182,000 |
| Interest-bearing deposits | 86,333,000 | 83,470,000 | 64,570,000 | 89,893,000 |
| Noninterest-bearing deposits | 4,251,000 | 8,155,000 | 24,539,000 | 15,289,000 |
| Equity capital | 10,121,000 | 9,813,000 | 10,331,000 | 10,589,000 |
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 | 1,099,000 | 2,401,000 | 3,906,000 | 5,534,000 |
| Interest expense | 355,000 | 768,000 | 1,229,000 | 1,853,000 |
| Net interest income | 744,000 | 1,633,000 | 2,677,000 | 3,681,000 |
| Noninterest income | 71,000 | 247,000 | 407,000 | 519,000 |
| Noninterest expense | 638,000 | 1,313,000 | 2,089,000 | 2,833,000 |
| Provision for loan losses | 125,000 | 331,000 | 463,000 | 558,000 |
| Pretax income | 52,000 | 236,000 | 517,000 | 777,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 52,000 | 236,000 | 517,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,978,000 | 10,163,000 | 10,240,000 | 10,500,000 |
| Total capital | 10,828,000 | 11,213,000 | 11,347,000 | 11,760,000 |
| Risk-weighted assets | 76,980,000 | 84,027,000 | 88,488,000 | 100,751,000 |