Call reports 2004
BUSINESS BANK, THE — 2004
What BUSINESS BANK, THE 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 | 152,296,000 | 149,989,000 | 168,276,000 | 172,340,000 |
| Total loans | 108,632,000 | 115,237,000 | 124,721,000 | 129,098,000 |
| Allowance for loan losses | 1,570,000 | 1,706,000 | 1,822,000 | 1,912,000 |
| Securities available for sale | 9,098,000 | 18,159,000 | 26,281,000 | 24,892,000 |
| Securities held to maturity | 4,023,000 | 3,013,000 | 3,503,000 | 2,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 137,087,000 | 135,633,000 | 153,433,000 | 152,262,000 |
| Interest-bearing deposits | 89,317,000 | 92,983,000 | 101,840,000 | 107,420,000 |
| Noninterest-bearing deposits | 47,769,000 | 42,650,000 | 51,593,000 | 44,842,000 |
| Equity capital | 10,482,000 | 10,588,000 | 11,369,000 | 15,859,000 |
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 | 1,833,000 | 3,728,000 | 5,842,000 | 8,116,000 |
| Interest expense | 436,000 | 863,000 | 1,321,000 | 1,835,000 |
| Net interest income | 1,397,000 | 2,865,000 | 4,521,000 | 6,281,000 |
| Noninterest income | 128,000 | 270,000 | 415,000 | 542,000 |
| Noninterest expense | 1,145,000 | 2,395,000 | 3,713,000 | 5,068,000 |
| Provision for loan losses | 58,000 | 168,000 | 284,000 | 412,000 |
| Pretax income | 345,000 | 595,000 | 962,000 | 1,366,000 |
| Income tax | 118,000 | 202,000 | 327,000 | 201,000 |
| Net income | 227,000 | 393,000 | 635,000 | 1,165,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,476,000 | 10,640,000 | 11,383,000 | 15,147,000 |
| Total capital | 11,852,000 | 12,080,000 | 12,964,000 | 16,761,000 |
| Risk-weighted assets | 109,901,000 | 114,943,000 | 126,250,000 | 128,828,000 |