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 | 1,042,807,000 | 1,056,517,000 | 1,121,744,000 | 1,057,685,000 |
| Total loans | 820,375,000 | 837,733,000 | 896,937,000 | 836,992,000 |
| Allowance for loan losses | 5,460,000 | 5,528,000 | 6,398,000 | 6,476,000 |
| Securities available for sale | 121,744,000 | 118,077,000 | 111,397,000 | 99,773,000 |
| Securities held to maturity | 7,322,000 | 6,180,000 | 5,541,000 | 8,270,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,617,000 | 681,225,000 | 732,859,000 | 672,246,000 |
| Interest-bearing deposits | 646,437,000 | 653,940,000 | 705,144,000 | 643,013,000 |
| Noninterest-bearing deposits | 26,180,000 | 27,285,000 | 27,715,000 | 29,233,000 |
| Equity capital | 79,171,000 | 78,033,000 | 89,229,000 | 80,973,000 |
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 | 12,673,000 | 25,594,000 | 39,005,000 | 52,704,000 |
| Interest expense | 6,659,000 | 13,367,000 | 20,435,000 | 27,513,000 |
| Net interest income | 6,014,000 | 12,227,000 | 18,570,000 | 25,191,000 |
| Noninterest income | 1,250,000 | 2,706,000 | 4,374,000 | 12,723,000 |
| Noninterest expense | 5,370,000 | 10,367,000 | 15,835,000 | 39,874,000 |
| Provision for loan losses | 255,000 | 510,000 | 765,000 | 1,620,000 |
| Pretax income | 1,716,000 | 4,137,000 | 6,435,000 | -3,489,000 |
| Income tax | 533,000 | 1,302,000 | 2,036,000 | -1,393,000 |
| Net income | 1,183,000 | 2,835,000 | 4,399,000 | -2,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,210,000 | 75,859,000 | 81,601,000 | 73,897,000 |
| Total capital | 80,670,000 | 81,387,000 | 87,999,000 | 80,373,000 |
| Risk-weighted assets | 662,454,000 | 679,499,000 | 743,014,000 | 714,718,000 |