Call reports 2004
FUTURUS BANK, N.A. — 2004
What FUTURUS BANK, N.A. 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 | 69,929,000 | 66,282,000 | 66,063,000 | 60,959,000 |
| Total loans | 62,635,000 | 59,664,000 | 59,168,000 | 51,127,000 |
| Allowance for loan losses | 1,069,000 | 892,000 | 900,000 | 768,000 |
| Securities available for sale | 2,178,000 | 1,631,000 | 1,128,000 | 1,118,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,443,000 | 60,655,000 | 60,354,000 | 55,109,000 |
| Interest-bearing deposits | 62,221,000 | 58,107,000 | 57,550,000 | 52,437,000 |
| Noninterest-bearing deposits | 2,222,000 | 2,548,000 | 2,804,000 | 2,672,000 |
| Equity capital | 5,426,000 | 5,567,000 | 5,602,000 | 5,677,000 |
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 | 939,000 | 1,873,000 | 2,806,000 | 3,777,000 |
| Interest expense | 372,000 | 743,000 | 1,113,000 | 1,479,000 |
| Net interest income | 567,000 | 1,130,000 | 1,693,000 | 2,298,000 |
| Noninterest income | 59,000 | 49,000 | 103,000 | 103,000 |
| Noninterest expense | 565,000 | 1,142,000 | 1,725,000 | 2,384,000 |
| Provision for loan losses | 371,000 | 194,000 | 202,000 | 70,000 |
| Pretax income | -287,000 | -134,000 | -109,000 | -31,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -287,000 | -134,000 | -109,000 | -31,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,423,000 | 5,574,000 | 5,600,000 | 5,678,000 |
| Total capital | 6,283,000 | 6,363,000 | 6,379,000 | 6,368,000 |
| Risk-weighted assets | 68,771,000 | 62,991,000 | 62,248,000 | 55,068,000 |