Call reports 2004
TOUCHSTONE BANK — 2004
What TOUCHSTONE 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 | 128,556,000 | 128,968,000 | 131,835,000 | 132,271,000 |
| Total loans | 88,227,000 | 91,169,000 | 93,750,000 | 93,708,000 |
| Allowance for loan losses | 938,000 | 977,000 | 1,000,000 | 1,000,000 |
| Securities available for sale | 17,154,000 | 17,104,000 | 16,474,000 | 20,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,827,000 | 108,537,000 | 110,775,000 | 111,070,000 |
| Interest-bearing deposits | 87,216,000 | 88,957,000 | 89,896,000 | 88,487,000 |
| Noninterest-bearing deposits | 20,612,000 | 19,580,000 | 20,879,000 | 22,583,000 |
| Equity capital | 14,957,000 | 14,866,000 | 15,491,000 | 15,364,000 |
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 | 1,694,000 | 3,471,000 | 5,239,000 | 7,083,000 |
| Interest expense | 433,000 | 857,000 | 1,295,000 | 1,742,000 |
| Net interest income | 1,261,000 | 2,614,000 | 3,944,000 | 5,341,000 |
| Noninterest income | 298,000 | 661,000 | 1,037,000 | 1,373,000 |
| Noninterest expense | 1,174,000 | 2,391,000 | 3,604,000 | 4,844,000 |
| Provision for loan losses | 36,000 | 72,000 | 99,000 | 102,000 |
| Pretax income | 413,000 | 870,000 | 1,335,000 | 1,826,000 |
| Income tax | 134,000 | 279,000 | 430,000 | 577,000 |
| Net income | 279,000 | 591,000 | 905,000 | 1,249,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,945,000 | 15,258,000 | 15,572,000 | 15,530,000 |
| Total capital | 15,744,000 | 16,095,000 | 16,433,000 | 16,390,000 |
| Risk-weighted assets | 94,729,000 | 97,139,000 | 100,844,000 | 100,835,000 |
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