Call reports 2004
KNISELY BANK — 2004
What KNISELY 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 | 49,944,000 | 51,824,000 | 51,671,000 | 51,824,000 |
| Total loans | 29,351,000 | 29,721,000 | 30,891,000 | 31,624,000 |
| Allowance for loan losses | 232,000 | 234,000 | 270,000 | 300,000 |
| Securities available for sale | 15,541,000 | 14,766,000 | 14,917,000 | 14,341,000 |
| Securities held to maturity | 170,000 | 170,000 | 120,000 | 120,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,404,000 | 48,148,000 | 46,979,000 | 47,695,000 |
| Interest-bearing deposits | 36,875,000 | 40,053,000 | 38,181,000 | 39,394,000 |
| Noninterest-bearing deposits | 8,529,000 | 8,095,000 | 8,798,000 | 8,301,000 |
| Equity capital | 3,617,000 | 3,443,000 | 3,950,000 | 3,847,000 |
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 | 566,000 | 1,130,000 | 1,705,000 | 2,296,000 |
| Interest expense | 90,000 | 172,000 | 271,000 | 391,000 |
| Net interest income | 476,000 | 958,000 | 1,434,000 | 1,905,000 |
| Noninterest income | 81,000 | 157,000 | 635,000 | 303,000 |
| Noninterest expense | 456,000 | 907,000 | 1,429,000 | 1,899,000 |
| Provision for loan losses | 5,000 | 13,000 | 88,000 | 189,000 |
| Pretax income | 96,000 | 195,000 | 552,000 | 120,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 96,000 | 195,000 | 552,000 | 120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,574,000 | 3,673,000 | 4,030,000 | 4,003,000 |
| Total capital | 3,806,000 | 3,907,000 | 4,300,000 | 4,303,000 |
| Risk-weighted assets | 27,126,000 | 27,887,000 | 28,301,000 | 28,901,000 |