Call reports 2004
SIMPLYBANK. — 2004
What SIMPLYBANK. 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 | 137,139,000 | 139,538,000 | 144,280,000 | 168,989,000 |
| Total loans | 111,893,000 | 116,693,000 | 121,074,000 | 137,990,000 |
| Allowance for loan losses | 1,074,000 | 1,115,000 | 1,175,000 | 1,409,000 |
| Securities available for sale | 7,227,000 | 7,669,000 | 7,495,000 | 11,328,000 |
| Securities held to maturity | 2,661,000 | 2,460,000 | 2,393,000 | 2,393,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,108,000 | 121,663,000 | 122,386,000 | 146,324,000 |
| Interest-bearing deposits | 101,053,000 | 101,579,000 | 103,733,000 | 120,229,000 |
| Noninterest-bearing deposits | 19,055,000 | 20,084,000 | 18,653,000 | 26,095,000 |
| Equity capital | 11,954,000 | 11,920,000 | 12,041,000 | 14,884,000 |
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 | 2,163,000 | 4,327,000 | 6,566,000 | 10,133,000 |
| Interest expense | 533,000 | 1,074,000 | 1,647,000 | 2,592,000 |
| Net interest income | 1,630,000 | 3,253,000 | 4,919,000 | 7,541,000 |
| Noninterest income | 411,000 | 808,000 | 1,208,000 | 1,653,000 |
| Noninterest expense | 1,341,000 | 2,666,000 | 4,055,000 | 6,409,000 |
| Provision for loan losses | 120,000 | 210,000 | 285,000 | 410,000 |
| Pretax income | 580,000 | 1,185,000 | 1,787,000 | 2,375,000 |
| Income tax | 0 | 1,000 | 3,000 | 4,000 |
| Net income | 580,000 | 1,184,000 | 1,784,000 | 2,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,844,000 | 11,984,000 | 12,012,000 | 14,879,000 |
| Total capital | 12,918,000 | 13,099,000 | 13,187,000 | 16,288,000 |
| Risk-weighted assets | 111,309,000 | 115,692,000 | 119,604,000 | 139,434,000 |