Call reports 2004
NEIGHBORHOOD NATIONAL BANK — 2004
What NEIGHBORHOOD NATIONAL 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 | 35,696,000 | 36,348,000 | 37,622,000 | 38,106,000 |
| Total loans | 27,078,000 | 27,790,000 | 30,080,000 | 29,501,000 |
| Allowance for loan losses | 312,000 | 332,000 | 337,000 | 352,000 |
| Securities available for sale | 5,180,000 | 6,906,000 | 5,409,000 | 6,588,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,970,000 | 29,105,000 | 30,176,000 | 30,983,000 |
| Interest-bearing deposits | 26,674,000 | 26,585,000 | 27,068,000 | 28,032,000 |
| Noninterest-bearing deposits | 2,296,000 | 2,520,000 | 3,108,000 | 2,952,000 |
| Equity capital | 3,090,000 | 3,007,000 | 3,094,000 | 3,095,000 |
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 | 506,000 | 1,084,000 | 1,656,000 | 2,265,000 |
| Interest expense | 204,000 | 415,000 | 633,000 | 861,000 |
| Net interest income | 302,000 | 669,000 | 1,023,000 | 1,404,000 |
| Noninterest income | 19,000 | 36,000 | 55,000 | 74,000 |
| Noninterest expense | 339,000 | 685,000 | 1,029,000 | 1,374,000 |
| Provision for loan losses | 30,000 | 50,000 | 73,000 | 103,000 |
| Pretax income | -48,000 | -30,000 | -19,000 | 6,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -49,000 | -31,000 | -20,000 | 5,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,104,000 | 3,122,000 | 3,133,000 | 3,158,000 |
| Total capital | 3,416,000 | 3,454,000 | 3,470,000 | 3,510,000 |
| Risk-weighted assets | 28,530,000 | 27,829,000 | 30,055,000 | 29,633,000 |