Call reports 2004
BANK OF CLARENDON, THE — 2004
What BANK OF CLARENDON, THE 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 | 151,279,000 | 155,451,000 | 153,461,000 | 156,052,000 |
| Total loans | 73,219,000 | 80,879,000 | 85,489,000 | 84,531,000 |
| Allowance for loan losses | 1,137,000 | 1,137,000 | 1,159,000 | 1,169,000 |
| Securities available for sale | 48,659,000 | 48,756,000 | 42,775,000 | 40,983,000 |
| Securities held to maturity | 14,556,000 | 14,943,000 | 14,929,000 | 14,913,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,056,000 | 121,824,000 | 123,371,000 | 125,890,000 |
| Interest-bearing deposits | 106,542,000 | 105,202,000 | 105,359,000 | 107,562,000 |
| Noninterest-bearing deposits | 16,514,000 | 16,622,000 | 18,012,000 | 18,328,000 |
| Equity capital | 17,554,000 | 17,008,000 | 18,018,000 | 17,990,000 |
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 | 1,847,000 | 3,726,000 | 5,645,000 | 7,596,000 |
| Interest expense | 461,000 | 922,000 | 1,402,000 | 1,897,000 |
| Net interest income | 1,386,000 | 2,804,000 | 4,243,000 | 5,699,000 |
| Noninterest income | 468,000 | 886,000 | 1,356,000 | 1,853,000 |
| Noninterest expense | 1,048,000 | 2,151,000 | 3,316,000 | 4,741,000 |
| Provision for loan losses | -4,000 | 11,000 | 34,000 | 59,000 |
| Pretax income | 810,000 | 1,540,000 | 2,299,000 | 2,802,000 |
| Income tax | 234,000 | 443,000 | 664,000 | 790,000 |
| Net income | 576,000 | 1,097,000 | 1,635,000 | 2,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,886,000 | 17,566,000 | 17,984,000 | 17,521,000 |
| Total capital | 17,822,000 | 18,703,000 | 19,143,000 | 18,562,000 |
| Risk-weighted assets | 74,574,000 | 103,972,000 | 105,380,000 | 83,171,000 |