Call reports 2004
CITY BANK — 2004
What CITY 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 | 897,746,000 | 848,930,000 | 862,177,000 | 868,206,000 |
| Total loans | 624,217,000 | 678,495,000 | 726,015,000 | 715,412,000 |
| Allowance for loan losses | 5,474,000 | 6,660,000 | 7,124,000 | 6,313,000 |
| Securities available for sale | 36,621,000 | 34,227,000 | 31,533,000 | 30,153,000 |
| Securities held to maturity | 490,000 | 490,000 | 490,000 | 140,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 626,852,000 | 667,959,000 | 681,380,000 | 711,819,000 |
| Interest-bearing deposits | 560,702,000 | 575,259,000 | 617,875,000 | 636,874,000 |
| Noninterest-bearing deposits | 66,150,000 | 92,700,000 | 63,505,000 | 74,945,000 |
| Equity capital | 80,327,000 | 82,277,000 | 85,826,000 | 90,573,000 |
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 | 9,770,000 | 20,381,000 | 32,279,000 | 44,876,000 |
| Interest expense | 2,776,000 | 5,576,000 | 8,749,000 | 12,355,000 |
| Net interest income | 6,994,000 | 14,805,000 | 23,530,000 | 32,521,000 |
| Noninterest income | 3,390,000 | 7,671,000 | 12,685,000 | 17,344,000 |
| Noninterest expense | 8,011,000 | 16,188,000 | 25,181,000 | 34,745,000 |
| Provision for loan losses | 1,335,000 | 3,116,000 | 4,909,000 | 6,528,000 |
| Pretax income | 1,038,000 | 3,172,000 | 6,125,000 | 8,592,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,038,000 | 3,172,000 | 6,125,000 | 8,592,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 71,112,000 | 74,446,000 | 77,399,000 | 82,366,000 |
| Total capital | 76,586,000 | 81,106,000 | 84,523,000 | 88,679,000 |
| Risk-weighted assets | 718,367,000 | 754,563,000 | 773,147,000 | 771,573,000 |