Call reports 2004
KLEIN BANK — 2004
What KLEIN 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 |
|---|---|---|---|
| Total assets | 581,338,000 | 596,658,000 | 589,542,000 |
| Total loans | 172,163,000 | 166,238,000 | 163,086,000 |
| Allowance for loan losses | 1,625,000 | 1,499,000 | 1,354,000 |
| Securities available for sale | 28,846,000 | 23,471,000 | 1,195,000 |
| Securities held to maturity | 340,408,000 | 370,990,000 | 327,520,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 532,512,000 | 540,268,000 | 535,642,000 |
| Interest-bearing deposits | 357,220,000 | 365,632,000 | 354,430,000 |
| Noninterest-bearing deposits | 175,292,000 | 174,636,000 | 181,212,000 |
| Equity capital | 44,541,000 | 46,235,000 | 49,517,000 |
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 |
|---|---|---|---|
| Interest income | 7,630,000 | 15,257,000 | 22,940,000 |
| Interest expense | 706,000 | 1,449,000 | 2,266,000 |
| Net interest income | 6,924,000 | 13,808,000 | 20,674,000 |
| Noninterest income | 2,700,000 | 5,415,000 | 8,072,000 |
| Noninterest expense | 5,672,000 | 11,421,000 | 17,476,000 |
| Provision for loan losses | 0 | 60,000 | 150,000 |
| Pretax income | 3,952,000 | 7,742,000 | 13,517,000 |
| Income tax | 1,345,000 | 2,637,000 | 4,627,000 |
| Net income | 2,607,000 | 5,105,000 | 8,890,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 |
|---|---|---|---|
| Tier 1 capital | 43,203,000 | 45,701,000 | 49,486,000 |
| Total capital | 44,834,000 | 47,202,000 | 50,845,000 |
| Risk-weighted assets | 179,777,000 | 174,862,000 | 184,168,000 |