Call reports 2004
TRUCOMMUNITY BANK — 2004
What TRUCOMMUNITY 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 | 58,563,000 | 56,825,000 | 57,225,000 | 54,771,000 |
| Total loans | 29,503,000 | 31,339,000 | 31,811,000 | 31,267,000 |
| Allowance for loan losses | 1,005,000 | 1,038,000 | 1,047,000 | 1,016,000 |
| Securities available for sale | 22,677,000 | 21,667,000 | 21,041,000 | 19,312,000 |
| Securities held to maturity | 908,000 | 1,133,000 | 1,125,000 | 1,120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,985,000 | 49,278,000 | 49,868,000 | 48,528,000 |
| Interest-bearing deposits | 46,819,000 | 44,016,000 | 44,405,000 | 41,265,000 |
| Noninterest-bearing deposits | 5,166,000 | 5,262,000 | 5,463,000 | 7,263,000 |
| Equity capital | 6,197,000 | 5,911,000 | 6,161,000 | 5,897,000 |
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 | 725,000 | 1,455,000 | 2,194,000 | 2,937,000 |
| Interest expense | 232,000 | 459,000 | 689,000 | 909,000 |
| Net interest income | 493,000 | 996,000 | 1,505,000 | 2,028,000 |
| Noninterest income | 72,000 | 153,000 | 249,000 | 501,000 |
| Noninterest expense | 396,000 | 806,000 | 1,213,000 | 1,771,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 154,000 | 316,000 | 499,000 | 701,000 |
| Income tax | 48,000 | 101,000 | 160,000 | 226,000 |
| Net income | 106,000 | 215,000 | 339,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,901,000 | 5,981,000 | 6,075,000 | 5,911,000 |
| Total capital | 6,313,000 | 6,391,000 | 6,499,000 | 6,314,000 |
| Risk-weighted assets | 32,356,000 | 32,201,000 | 33,315,000 | 31,660,000 |