Call reports 2004
BANK OF LENAWEE — 2004
What BANK OF LENAWEE 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 | 263,258,000 | 261,517,000 | 262,345,000 | 257,088,000 |
| Total loans | 212,240,000 | 217,332,000 | 219,720,000 | 207,482,000 |
| Allowance for loan losses | 2,293,000 | 2,358,000 | 2,396,000 | 2,495,000 |
| Securities available for sale | 30,563,000 | 21,718,000 | 21,851,000 | 26,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,840,000 | 208,092,000 | 217,681,000 | 213,997,000 |
| Interest-bearing deposits | 170,514,000 | 161,769,000 | 170,754,000 | 155,783,000 |
| Noninterest-bearing deposits | 44,326,000 | 46,323,000 | 46,928,000 | 58,214,000 |
| Equity capital | 27,758,000 | 27,270,000 | 28,089,000 | 28,178,000 |
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 | 3,700,000 | 7,432,000 | 11,227,000 | 14,985,000 |
| Interest expense | 684,000 | 1,274,000 | 1,909,000 | 2,541,000 |
| Net interest income | 3,016,000 | 6,158,000 | 9,318,000 | 12,444,000 |
| Noninterest income | 1,002,000 | 2,083,000 | 3,018,000 | 3,760,000 |
| Noninterest expense | 2,800,000 | 5,697,000 | 8,845,000 | 11,789,000 |
| Provision for loan losses | 64,000 | 152,000 | 215,000 | 693,000 |
| Pretax income | 1,154,000 | 2,392,000 | 3,276,000 | 3,722,000 |
| Income tax | 346,000 | 717,000 | 986,000 | 1,222,000 |
| Net income | 808,000 | 1,675,000 | 2,290,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,543,000 | 27,411,000 | 28,026,000 | 28,266,000 |
| Total capital | 29,836,000 | 29,769,000 | 30,422,000 | 30,761,000 |
| Risk-weighted assets | 219,626,000 | 218,138,000 | 224,132,000 | 202,380,000 |