Call reports 2004
AUBURNBANK — 2004
What AUBURNBANK 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 | 605,608,000 | 597,863,000 | 595,942,000 | 589,388,000 |
| Total loans | 259,218,000 | 264,034,000 | 269,738,000 | 258,943,000 |
| Allowance for loan losses | 4,396,000 | 4,453,000 | 4,466,000 | 3,456,000 |
| Securities available for sale | 291,266,000 | 285,669,000 | 276,588,000 | 281,390,000 |
| Securities held to maturity | 1,107,000 | 957,000 | 900,000 | 809,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,196,000 | 455,515,000 | 445,877,000 | 431,489,000 |
| Interest-bearing deposits | 389,478,000 | 390,307,000 | 377,349,000 | 364,969,000 |
| Noninterest-bearing deposits | 63,718,000 | 65,208,000 | 68,528,000 | 66,520,000 |
| Equity capital | 46,718,000 | 39,920,000 | 46,583,000 | 48,062,000 |
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 | 6,831,000 | 13,558,000 | 20,474,000 | 27,447,000 |
| Interest expense | 3,075,000 | 6,052,000 | 9,122,000 | 12,231,000 |
| Net interest income | 3,756,000 | 7,506,000 | 11,352,000 | 15,216,000 |
| Noninterest income | 1,513,000 | 2,876,000 | 4,381,000 | 5,828,000 |
| Noninterest expense | 2,971,000 | 5,791,000 | 8,765,000 | 12,016,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 600,000 |
| Pretax income | 2,150,000 | 4,309,000 | 6,550,000 | 9,376,000 |
| Income tax | 570,000 | 1,162,000 | 1,754,000 | 2,547,000 |
| Net income | 1,580,000 | 3,147,000 | 4,796,000 | 6,829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,952,000 | 45,888,000 | 46,982,000 | 48,444,000 |
| Total capital | 48,927,000 | 50,001,000 | 51,105,000 | 51,900,000 |
| Risk-weighted assets | 317,673,000 | 328,768,000 | 329,524,000 | 321,340,000 |