Call reports 2004
BENCHMARK COMMUNITY BANK — 2004
What BENCHMARK COMMUNITY 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 | 292,772,000 | 281,504,000 | 284,622,000 | 292,989,000 |
| Total loans | 221,419,000 | 222,531,000 | 223,266,000 | 230,296,000 |
| Allowance for loan losses | 1,978,000 | 1,989,000 | 2,011,000 | 1,964,000 |
| Securities available for sale | 28,515,000 | 26,342,000 | 25,598,000 | 25,068,000 |
| Securities held to maturity | 2,493,000 | 2,493,000 | 1,993,000 | 1,493,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,465,000 | 254,423,000 | 255,950,000 | 263,453,000 |
| Interest-bearing deposits | 227,225,000 | 217,573,000 | 216,107,000 | 221,923,000 |
| Noninterest-bearing deposits | 38,240,000 | 36,850,000 | 39,843,000 | 41,530,000 |
| Equity capital | 25,462,000 | 25,698,000 | 26,997,000 | 27,844,000 |
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 | 4,126,000 | 8,251,000 | 12,420,000 | 16,710,000 |
| Interest expense | 1,408,000 | 2,773,000 | 4,152,000 | 5,540,000 |
| Net interest income | 2,718,000 | 5,478,000 | 8,268,000 | 11,170,000 |
| Noninterest income | 335,000 | 716,000 | 1,107,000 | 1,423,000 |
| Noninterest expense | 1,798,000 | 3,594,000 | 5,444,000 | 7,418,000 |
| Provision for loan losses | 14,000 | 74,000 | 142,000 | 142,000 |
| Pretax income | 1,241,000 | 2,526,000 | 3,814,000 | 5,058,000 |
| Income tax | 373,000 | 769,000 | 1,142,000 | 1,464,000 |
| Net income | 868,000 | 1,757,000 | 2,672,000 | 3,594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,519,000 | 25,067,000 | 26,168,000 | 27,007,000 |
| Total capital | 26,497,000 | 27,056,000 | 28,179,000 | 28,971,000 |
| Risk-weighted assets | 204,115,000 | 203,660,000 | 204,497,000 | 209,833,000 |