Call reports 2004
FIRST CREDIT BANK — 2004
What FIRST CREDIT 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 | 364,548,000 | 367,561,000 | 354,471,000 | 323,158,000 |
| Total loans | 263,064,000 | 284,032,000 | 267,962,000 | 247,853,000 |
| Allowance for loan losses | 6,684,000 | 6,684,000 | 6,684,000 | 6,684,000 |
| Securities available for sale | 25,322,000 | 25,885,000 | 24,644,000 | 13,156,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 271,237,000 | 284,270,000 | 288,795,000 | 256,977,000 |
| Interest-bearing deposits | 264,356,000 | 274,927,000 | 277,547,000 | 246,123,000 |
| Noninterest-bearing deposits | 6,881,000 | 9,343,000 | 11,248,000 | 10,854,000 |
| Equity capital | 59,303,000 | 58,984,000 | 61,115,000 | 61,910,000 |
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 | 6,414,000 | 11,500,000 | 17,608,000 | 23,715,000 |
| Interest expense | 1,306,000 | 2,645,000 | 4,233,000 | 5,791,000 |
| Net interest income | 5,108,000 | 8,855,000 | 13,375,000 | 17,924,000 |
| Noninterest income | 31,000 | 84,000 | 198,000 | 222,000 |
| Noninterest expense | 1,054,000 | 2,001,000 | 3,126,000 | 4,505,000 |
| Provision for loan losses | 30,000 | 30,000 | 30,000 | 30,000 |
| Pretax income | 4,886,000 | 7,811,000 | 11,319,000 | 14,524,000 |
| Income tax | 153,000 | 280,000 | 380,000 | 535,000 |
| Net income | 4,733,000 | 7,531,000 | 10,939,000 | 13,989,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,897,000 | 58,841,000 | 60,912,000 | 61,641,000 |
| Total capital | 62,636,000 | 62,816,000 | 64,672,000 | 65,123,000 |
| Risk-weighted assets | 295,987,000 | 315,077,000 | 297,694,000 | 275,154,000 |
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