Call reports 2004
PORTAGE BANK — 2004
What PORTAGE 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 | 10,459,000 | 10,063,000 | 9,882,000 | 10,349,000 |
| Total loans | 4,574,000 | 4,990,000 | 5,180,000 | 4,743,000 |
| Allowance for loan losses | 159,000 | 159,000 | 158,000 | 158,000 |
| Securities available for sale | 4,892,000 | 3,966,000 | 3,425,000 | 3,892,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,279,000 | 8,946,000 | 8,691,000 | 9,170,000 |
| Interest-bearing deposits | 8,200,000 | 7,880,000 | 7,602,000 | 7,604,000 |
| Noninterest-bearing deposits | 1,079,000 | 1,066,000 | 1,089,000 | 1,566,000 |
| Equity capital | 1,141,000 | 1,100,000 | 1,158,000 | 1,098,000 |
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 | 123,000 | 232,000 | 355,000 | 465,000 |
| Interest expense | 23,000 | 46,000 | 70,000 | 95,000 |
| Net interest income | 100,000 | 186,000 | 285,000 | 370,000 |
| Noninterest income | 10,000 | 22,000 | 32,000 | 53,000 |
| Noninterest expense | 76,000 | 165,000 | 242,000 | 347,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 43,000 | 52,000 | 82,000 | 83,000 |
| Income tax | 10,000 | 12,000 | 19,000 | 23,000 |
| Net income | 33,000 | 40,000 | 63,000 | 60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,135,000 | 1,143,000 | 1,166,000 | 1,113,000 |
| Total capital | 1,202,000 | 1,214,000 | 1,239,000 | 1,185,000 |
| Risk-weighted assets | 5,298,000 | 5,613,000 | 5,771,000 | 5,675,000 |
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