Call reports 2004
SOUTHWEST COMMUNITY BANK — 2004
What SOUTHWEST COMMUNITY 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 | 40,196,000 | 44,964,000 | 49,685,000 | 52,571,000 |
| Total loans | 31,211,000 | 33,727,000 | 36,915,000 | 40,664,000 |
| Allowance for loan losses | 365,000 | 343,000 | 269,000 | 234,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 6,157,000 | 7,375,000 | 9,309,000 | 8,271,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,018,000 | 34,183,000 | 38,410,000 | 43,240,000 |
| Interest-bearing deposits | 26,379,000 | 31,455,000 | 35,586,000 | 39,791,000 |
| Noninterest-bearing deposits | 2,639,000 | 2,728,000 | 2,824,000 | 3,449,000 |
| Equity capital | 3,358,000 | 3,474,000 | 3,590,000 | 3,712,000 |
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 | 589,000 | 1,210,000 | 1,879,000 | 2,626,000 |
| Interest expense | 163,000 | 344,000 | 551,000 | 800,000 |
| Net interest income | 426,000 | 866,000 | 1,328,000 | 1,826,000 |
| Noninterest income | 44,000 | 77,000 | 106,000 | 134,000 |
| Noninterest expense | 306,000 | 608,000 | 958,000 | 1,287,000 |
| Provision for loan losses | 0 | 0 | -35,000 | -75,000 |
| Pretax income | 164,000 | 335,000 | 511,000 | 748,000 |
| Income tax | 59,000 | 113,000 | 174,000 | 288,000 |
| Net income | 105,000 | 222,000 | 337,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,358,000 | 3,474,000 | 3,590,000 | 3,712,000 |
| Total capital | 3,723,000 | 3,817,000 | 3,859,000 | 3,946,000 |
| Risk-weighted assets | 30,725,000 | 32,560,000 | 35,964,000 | 39,385,000 |