Call reports 2004
CAPRA BANK — 2004
What CAPRA 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 | 31,910,000 | 32,067,000 | 30,904,000 | 31,957,000 |
| Total loans | 13,358,000 | 13,986,000 | 14,117,000 | 13,837,000 |
| Allowance for loan losses | 191,000 | 168,000 | 166,000 | 192,000 |
| Securities available for sale | 4,230,000 | 5,501,000 | 5,161,000 | 4,894,000 |
| Securities held to maturity | 10,136,000 | 9,623,000 | 8,816,000 | 8,947,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,272,000 | 28,467,000 | 27,057,000 | 28,381,000 |
| Interest-bearing deposits | 25,155,000 | 24,947,000 | 23,940,000 | 24,235,000 |
| Noninterest-bearing deposits | 3,117,000 | 3,520,000 | 3,117,000 | 4,146,000 |
| Equity capital | 3,294,000 | 3,253,000 | 3,487,000 | 3,296,000 |
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 | 454,000 | 916,000 | 1,391,000 | 1,835,000 |
| Interest expense | 130,000 | 254,000 | 380,000 | 509,000 |
| Net interest income | 324,000 | 662,000 | 1,011,000 | 1,326,000 |
| Noninterest income | 38,000 | 78,000 | 120,000 | 170,000 |
| Noninterest expense | 218,000 | 441,000 | 691,000 | 1,123,000 |
| Provision for loan losses | 0 | 0 | 0 | 36,000 |
| Pretax income | 141,000 | 296,000 | 455,000 | 351,000 |
| Income tax | 7,000 | 15,000 | 21,000 | 17,000 |
| Net income | 134,000 | 281,000 | 434,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,268,000 | 3,375,000 | 3,494,000 | 3,361,000 |
| Total capital | 3,459,000 | 3,543,000 | 3,660,000 | 3,553,000 |
| Risk-weighted assets | 17,060,000 | 17,266,000 | 17,291,000 | 17,158,000 |