Call reports 2004
NEW ERA BANK — 2004
What NEW ERA 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 | 213,013,000 | 209,413,000 | 208,546,000 | 225,101,000 |
| Total loans | 153,531,000 | 157,499,000 | 158,438,000 | 160,423,000 |
| Allowance for loan losses | 1,141,000 | 1,138,000 | 1,127,000 | 1,116,000 |
| Securities available for sale | 32,771,000 | 36,074,000 | 34,127,000 | 45,751,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,182,000 | 177,377,000 | 173,707,000 | 182,179,000 |
| Interest-bearing deposits | 160,721,000 | 158,180,000 | 153,885,000 | 162,187,000 |
| Noninterest-bearing deposits | 20,461,000 | 19,197,000 | 19,822,000 | 19,992,000 |
| Equity capital | 27,331,000 | 26,913,000 | 27,851,000 | 28,285,000 |
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 | 2,588,000 | 5,179,000 | 7,801,000 | 10,450,000 |
| Interest expense | 774,000 | 1,492,000 | 2,198,000 | 2,910,000 |
| Net interest income | 1,814,000 | 3,687,000 | 5,603,000 | 7,540,000 |
| Noninterest income | 366,000 | 763,000 | 1,157,000 | 1,578,000 |
| Noninterest expense | 902,000 | 1,830,000 | 2,762,000 | 3,781,000 |
| Provision for loan losses | 0 | 0 | 0 | 10,000 |
| Pretax income | 1,278,000 | 2,620,000 | 3,998,000 | 5,327,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,278,000 | 2,620,000 | 3,998,000 | 5,327,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,994,000 | 24,144,000 | 24,822,000 | 25,449,000 |
| Total capital | 25,135,000 | 25,282,000 | 25,949,000 | 26,565,000 |
| Risk-weighted assets | 126,859,000 | 132,746,000 | 132,823,000 | 136,810,000 |