Call reports 2004
ROSELLE BANK — 2004
What ROSELLE 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 | 405,075,000 | 407,353,000 | 408,628,000 | 407,598,000 |
| Total loans | 57,183,000 | 51,448,000 | 70,774,000 | 54,205,000 |
| Allowance for loan losses | 422,000 | 422,000 | 422,000 | 422,000 |
| Securities available for sale | 8,000,000 | 14,163,000 | 9,343,000 | 14,135,000 |
| Securities held to maturity | 327,798,000 | 328,053,000 | 314,802,000 | 308,574,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 324,134,000 | 325,935,000 | 326,089,000 | 324,235,000 |
| Interest-bearing deposits | 322,655,000 | 324,393,000 | 324,003,000 | 322,278,000 |
| Noninterest-bearing deposits | 1,479,000 | 1,542,000 | 2,086,000 | 1,957,000 |
| Equity capital | 53,651,000 | 54,004,000 | 54,920,000 | 55,672,000 |
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 | 4,025,000 | 8,107,000 | 12,186,000 | 16,394,000 |
| Interest expense | 1,967,000 | 3,929,000 | 5,887,000 | 7,872,000 |
| Net interest income | 2,058,000 | 4,178,000 | 6,299,000 | 8,522,000 |
| Noninterest income | 19,000 | 50,000 | 68,000 | 82,000 |
| Noninterest expense | 1,142,000 | 2,176,000 | 3,288,000 | 4,364,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 927,000 | 2,044,000 | 3,080,000 | 4,241,000 |
| Income tax | 189,000 | 450,000 | 678,000 | 963,000 |
| Net income | 738,000 | 1,594,000 | 2,402,000 | 3,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 53,651,000 | 54,035,000 | 54,920,000 | 55,682,000 |
| Total capital | 54,073,000 | 54,457,000 | 55,342,000 | 56,104,000 |
| Risk-weighted assets | 90,189,000 | 88,704,000 | 90,004,000 | 95,920,000 |