Call reports 2004
FIRST CENTURY BANK — 2004
What FIRST CENTURY 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 | 283,153,000 | 279,997,000 | 281,878,000 | 280,126,000 |
| Total loans | 153,916,000 | 150,246,000 | 148,201,000 | 145,560,000 |
| Allowance for loan losses | 2,333,000 | 2,306,000 | 2,288,000 | 2,017,000 |
| Securities available for sale | 82,899,000 | 93,031,000 | 94,622,000 | 100,036,000 |
| Securities held to maturity | 8,061,000 | 6,748,000 | 6,994,000 | 6,641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,763,000 | 255,033,000 | 255,468,000 | 253,359,000 |
| Interest-bearing deposits | 228,322,000 | 225,976,000 | 225,303,000 | 219,430,000 |
| Noninterest-bearing deposits | 28,441,000 | 29,057,000 | 30,165,000 | 33,929,000 |
| Equity capital | 25,729,000 | 24,112,000 | 25,825,000 | 25,827,000 |
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 | 3,506,000 | 7,292,000 | 10,854,000 | 14,428,000 |
| Interest expense | 1,174,000 | 2,369,000 | 3,535,000 | 4,714,000 |
| Net interest income | 2,332,000 | 4,923,000 | 7,319,000 | 9,714,000 |
| Noninterest income | 616,000 | 1,251,000 | 1,862,000 | 2,438,000 |
| Noninterest expense | 1,919,000 | 3,984,000 | 6,522,000 | 8,895,000 |
| Provision for loan losses | 0 | 0 | 36,000 | 36,000 |
| Pretax income | 1,029,000 | 2,197,000 | 2,636,000 | 3,234,000 |
| Income tax | 324,000 | 726,000 | 850,000 | 934,000 |
| Net income | 705,000 | 1,471,000 | 1,786,000 | 2,300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,230,000 | 25,696,000 | 26,011,000 | 26,225,000 |
| Total capital | 27,342,000 | 27,743,000 | 28,023,000 | 28,218,000 |
| Risk-weighted assets | 168,706,000 | 163,464,000 | 160,660,000 | 159,391,000 |