Call reports 2004
BOM BANK — 2004
What BOM 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 | 74,299,000 | 74,511,000 | 76,291,000 | 80,648,000 |
| Total loans | 43,817,000 | 45,983,000 | 47,776,000 | 48,488,000 |
| Allowance for loan losses | 741,000 | 670,000 | 615,000 | 698,000 |
| Securities available for sale | 22,648,000 | 21,036,000 | 19,974,000 | 19,303,000 |
| Securities held to maturity | 1,303,000 | 1,054,000 | 1,049,000 | 1,193,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,918,000 | 55,569,000 | 56,617,000 | 61,681,000 |
| Interest-bearing deposits | 46,200,000 | 49,054,000 | 50,250,000 | 54,102,000 |
| Noninterest-bearing deposits | 6,718,000 | 6,515,000 | 6,367,000 | 7,579,000 |
| Equity capital | 6,858,000 | 6,001,000 | 6,830,000 | 6,363,000 |
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 | 1,110,000 | 2,309,000 | 3,526,000 | 4,762,000 |
| Interest expense | 296,000 | 649,000 | 1,023,000 | 1,419,000 |
| Net interest income | 814,000 | 1,660,000 | 2,503,000 | 3,343,000 |
| Noninterest income | 237,000 | 440,000 | 625,000 | 813,000 |
| Noninterest expense | 686,000 | 1,393,000 | 2,126,000 | 2,942,000 |
| Provision for loan losses | 24,000 | 42,000 | 43,000 | 246,000 |
| Pretax income | 334,000 | 658,000 | 952,000 | 961,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 334,000 | 658,000 | 952,000 | 961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,673,000 | 6,899,000 | 6,971,000 | 6,728,000 |
| Total capital | 7,236,000 | 7,487,000 | 7,574,000 | 7,351,000 |
| Risk-weighted assets | 44,787,000 | 46,924,000 | 48,175,000 | 49,746,000 |