Call reports 2004
TRADITIONS BANK — 2004
What TRADITIONS 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 | 44,515,000 | 47,245,000 | 50,890,000 | 62,506,000 |
| Total loans | 25,474,000 | 31,521,000 | 34,781,000 | 43,819,000 |
| Allowance for loan losses | 306,000 | 378,000 | 418,000 | 526,000 |
| Securities available for sale | 15,710,000 | 14,132,000 | 14,600,000 | 13,229,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,884,000 | 37,410,000 | 42,678,000 | 54,549,000 |
| Interest-bearing deposits | 33,193,000 | 34,372,000 | 39,042,000 | 49,988,000 |
| Noninterest-bearing deposits | 2,691,000 | 3,038,000 | 3,636,000 | 4,561,000 |
| Equity capital | 7,549,000 | 6,988,000 | 7,092,000 | 6,819,000 |
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 | 411,000 | 868,000 | 1,410,000 | 2,078,000 |
| Interest expense | 171,000 | 359,000 | 578,000 | 871,000 |
| Net interest income | 240,000 | 509,000 | 832,000 | 1,207,000 |
| Noninterest income | 16,000 | 36,000 | 57,000 | 79,000 |
| Noninterest expense | 426,000 | 865,000 | 1,292,000 | 1,777,000 |
| Provision for loan losses | 44,000 | 116,000 | 156,000 | 264,000 |
| Pretax income | -214,000 | -436,000 | -559,000 | -755,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -214,000 | -436,000 | -559,000 | -755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,531,000 | 7,308,000 | 7,185,000 | 6,990,000 |
| Total capital | 7,837,000 | 7,686,000 | 7,603,000 | 7,516,000 |
| Risk-weighted assets | 26,866,000 | 31,644,000 | 35,671,000 | 44,638,000 |