Call reports 2004
BANK OF SAINT ELIZABETH — 2004
What BANK OF SAINT ELIZABETH 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 | 46,457,000 | 45,476,000 | 45,129,000 | 47,130,000 |
| Total loans | 32,975,000 | 33,797,000 | 35,140,000 | 38,296,000 |
| Allowance for loan losses | 450,000 | 450,000 | 450,000 | 450,000 |
| Securities available for sale | 6,749,000 | 6,213,000 | 6,088,000 | 6,132,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,093,000 | 34,857,000 | 34,200,000 | 35,507,000 |
| Interest-bearing deposits | 30,358,000 | 30,142,000 | 29,565,000 | 30,422,000 |
| Noninterest-bearing deposits | 4,735,000 | 4,715,000 | 4,635,000 | 5,085,000 |
| Equity capital | 6,242,000 | 6,059,000 | 5,410,000 | 5,558,000 |
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 | 694,000 | 1,381,000 | 2,065,000 | 2,856,000 |
| Interest expense | 230,000 | 457,000 | 684,000 | 920,000 |
| Net interest income | 464,000 | 924,000 | 1,381,000 | 1,936,000 |
| Noninterest income | 85,000 | 153,000 | 210,000 | 266,000 |
| Noninterest expense | 240,000 | 478,000 | 767,000 | 1,153,000 |
| Provision for loan losses | -6,000 | -4,000 | 0 | 36,000 |
| Pretax income | 320,000 | 604,000 | 811,000 | 987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 320,000 | 604,000 | 811,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,212,000 | 6,134,000 | 5,542,000 | 5,618,000 |
| Total capital | 6,571,000 | 6,496,000 | 5,914,000 | 6,022,000 |
| Risk-weighted assets | 28,961,000 | 28,994,000 | 29,719,000 | 32,286,000 |