Call reports 2004
DEERWOOD BANK — 2004
What DEERWOOD 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 | 142,996,000 | 149,757,000 | 156,573,000 | 150,405,000 |
| Total loans | 83,939,000 | 91,283,000 | 97,811,000 | 102,926,000 |
| Allowance for loan losses | 1,137,000 | 1,146,000 | 1,236,000 | 1,270,000 |
| Securities available for sale | 41,526,000 | 38,327,000 | 33,817,000 | 26,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,035,000 | 121,564,000 | 129,955,000 | 123,602,000 |
| Interest-bearing deposits | 97,769,000 | 95,771,000 | 101,812,000 | 98,020,000 |
| Noninterest-bearing deposits | 20,266,000 | 25,793,000 | 28,143,000 | 25,582,000 |
| Equity capital | 15,586,000 | 15,111,000 | 16,305,000 | 15,983,000 |
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 | 1,822,000 | 3,668,000 | 5,659,000 | 7,834,000 |
| Interest expense | 454,000 | 879,000 | 1,341,000 | 1,805,000 |
| Net interest income | 1,368,000 | 2,789,000 | 4,318,000 | 6,029,000 |
| Noninterest income | 354,000 | 792,000 | 1,139,000 | 1,525,000 |
| Noninterest expense | 1,142,000 | 2,390,000 | 3,696,000 | 5,050,000 |
| Provision for loan losses | 0 | 0 | 90,000 | 120,000 |
| Pretax income | 690,000 | 1,304,000 | 1,737,000 | 2,443,000 |
| Income tax | 123,000 | 123,000 | 123,000 | 123,000 |
| Net income | 567,000 | 1,181,000 | 1,614,000 | 2,320,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,405,000 | 13,034,000 | 13,483,000 | 13,222,000 |
| Total capital | 13,542,000 | 14,180,000 | 14,719,000 | 14,492,000 |
| Risk-weighted assets | 103,046,000 | 111,173,000 | 116,763,000 | 114,013,000 |