Call reports 2004
REGIONAL BANK — 2004
What REGIONAL 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 | 242,387,000 | 250,930,000 | 250,829,000 | 251,274,000 |
| Total loans | 154,287,000 | 159,226,000 | 160,089,000 | 158,543,000 |
| Allowance for loan losses | 1,626,000 | 1,563,000 | 1,585,000 | 1,570,000 |
| Securities available for sale | 71,109,000 | 68,448,000 | 71,787,000 | 70,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,541,000 | 177,028,000 | 198,669,000 | 174,827,000 |
| Interest-bearing deposits | 161,507,000 | 160,950,000 | 180,085,000 | 158,974,000 |
| Noninterest-bearing deposits | 15,033,000 | 16,079,000 | 18,583,000 | 15,852,000 |
| Equity capital | 21,919,000 | 20,660,000 | 22,163,000 | 22,688,000 |
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 | 3,001,000 | 6,059,000 | 9,239,000 | 12,444,000 |
| Interest expense | 1,246,000 | 2,469,000 | 3,731,000 | 5,078,000 |
| Net interest income | 1,755,000 | 3,590,000 | 5,508,000 | 7,366,000 |
| Noninterest income | 482,000 | 965,000 | 1,428,000 | 1,842,000 |
| Noninterest expense | 1,273,000 | 2,560,000 | 3,790,000 | 5,009,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 60,000 |
| Pretax income | 965,000 | 1,999,000 | 3,129,000 | 4,152,000 |
| Income tax | 317,000 | 647,000 | 1,009,000 | 1,326,000 |
| Net income | 648,000 | 1,352,000 | 2,120,000 | 2,826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,009,000 | 16,743,000 | 17,391,000 | 18,127,000 |
| Total capital | 18,635,000 | 18,306,000 | 18,976,000 | 19,697,000 |
| Risk-weighted assets | 159,734,000 | 166,191,000 | 171,178,000 | 169,223,000 |