Call reports 2004
KODABANK — 2004
What KODABANK 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 | 36,096,000 | 36,796,000 | 36,507,000 | 35,783,000 |
| Total loans | 22,761,000 | 25,218,000 | 26,299,000 | 24,359,000 |
| Allowance for loan losses | 643,000 | 630,000 | 612,000 | 595,000 |
| Securities available for sale | 7,117,000 | 6,529,000 | 5,347,000 | 6,135,000 |
| Securities held to maturity | 859,000 | 824,000 | 924,000 | 806,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,749,000 | 30,523,000 | 28,964,000 | 31,568,000 |
| Interest-bearing deposits | 28,273,000 | 27,628,000 | 26,286,000 | 27,506,000 |
| Noninterest-bearing deposits | 3,476,000 | 2,895,000 | 2,678,000 | 4,062,000 |
| Equity capital | 4,027,000 | 4,109,000 | 4,195,000 | 3,929,000 |
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 | 498,000 | 1,014,000 | 1,556,000 | 2,123,000 |
| Interest expense | 146,000 | 287,000 | 435,000 | 577,000 |
| Net interest income | 352,000 | 727,000 | 1,121,000 | 1,546,000 |
| Noninterest income | 42,000 | 87,000 | 129,000 | 170,000 |
| Noninterest expense | 185,000 | 369,000 | 547,000 | 741,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 209,000 | 445,000 | 703,000 | 975,000 |
| Income tax | 37,000 | 79,000 | 123,000 | 212,000 |
| Net income | 172,000 | 366,000 | 580,000 | 763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,000,000 | 4,158,000 | 4,198,000 | 3,950,000 |
| Total capital | 4,276,000 | 4,448,000 | 4,497,000 | 4,230,000 |
| Risk-weighted assets | 21,673,000 | 22,821,000 | 23,609,000 | 22,117,000 |