Call reports 2004
PARAGON BANK & TRUST — 2004
What PARAGON BANK & TRUST 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 | 109,966,000 | 107,202,000 | 110,648,000 | 110,195,000 |
| Total loans | 93,008,000 | 91,713,000 | 94,881,000 | 96,428,000 |
| Allowance for loan losses | 1,282,000 | 1,348,000 | 1,391,000 | 1,350,000 |
| Securities available for sale | 4,481,000 | 4,428,000 | 4,438,000 | 3,897,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,388,000 | 86,076,000 | 95,972,000 | 88,049,000 |
| Interest-bearing deposits | 87,311,000 | 78,688,000 | 87,996,000 | 80,525,000 |
| Noninterest-bearing deposits | 6,077,000 | 7,388,000 | 7,976,000 | 7,524,000 |
| Equity capital | 11,162,000 | 11,241,000 | 11,373,000 | 11,488,000 |
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 | 1,381,000 | 2,771,000 | 4,226,000 | 5,754,000 |
| Interest expense | 439,000 | 876,000 | 1,351,000 | 1,865,000 |
| Net interest income | 942,000 | 1,895,000 | 2,875,000 | 3,889,000 |
| Noninterest income | 704,000 | 1,375,000 | 1,967,000 | 2,681,000 |
| Noninterest expense | 1,184,000 | 2,343,000 | 3,475,000 | 4,635,000 |
| Provision for loan losses | 62,000 | 141,000 | 172,000 | 317,000 |
| Pretax income | 400,000 | 786,000 | 1,195,000 | 1,618,000 |
| Income tax | 135,000 | 266,000 | 405,000 | 548,000 |
| Net income | 265,000 | 520,000 | 790,000 | 1,070,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,823,000 | 9,928,000 | 10,048,000 | 10,179,000 |
| Total capital | 11,026,000 | 11,124,000 | 11,281,000 | 11,417,000 |
| Risk-weighted assets | 96,196,000 | 95,508,000 | 98,468,000 | 98,936,000 |