Call reports 2004
APEX BANK — 2004
What APEX 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 | 147,379,000 | 146,416,000 | 145,040,000 | 145,083,000 |
| Total loans | 50,120,000 | 48,951,000 | 48,857,000 | 49,443,000 |
| Allowance for loan losses | 1,255,000 | 1,239,000 | 1,234,000 | 1,203,000 |
| Securities available for sale | 78,819,000 | 79,457,000 | 76,826,000 | 76,597,000 |
| Securities held to maturity | 470,000 | 455,000 | 415,000 | 415,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 122,460,000 | 123,407,000 | 120,550,000 | 121,271,000 |
| Interest-bearing deposits | 109,070,000 | 110,057,000 | 106,801,000 | 106,313,000 |
| Noninterest-bearing deposits | 13,390,000 | 13,350,000 | 13,749,000 | 14,958,000 |
| Equity capital | 22,010,000 | 20,788,000 | 21,823,000 | 21,739,000 |
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 | 1,865,000 | 3,678,000 | 5,536,000 | 7,366,000 |
| Interest expense | 410,000 | 801,000 | 1,181,000 | 1,565,000 |
| Net interest income | 1,455,000 | 2,877,000 | 4,355,000 | 5,801,000 |
| Noninterest income | 206,000 | 486,000 | 727,000 | 956,000 |
| Noninterest expense | 871,000 | 1,839,000 | 2,791,000 | 3,748,000 |
| Provision for loan losses | 30,000 | 30,000 | 75,000 | 145,000 |
| Pretax income | 801,000 | 1,530,000 | 2,222,000 | 2,872,000 |
| Income tax | 225,000 | 432,000 | 628,000 | 775,000 |
| Net income | 576,000 | 1,098,000 | 1,594,000 | 2,097,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,562,000 | 20,954,000 | 20,912,000 | 21,157,000 |
| Total capital | 21,716,000 | 22,069,000 | 22,050,000 | 22,268,000 |
| Risk-weighted assets | 92,233,000 | 89,055,000 | 90,971,000 | 88,813,000 |