Call reports 2004
TRANSACT BANK, NATIONAL ASSOCIATION — 2004
What TRANSACT BANK, NATIONAL ASSOCIATION 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 | 35,261,000 | 35,989,000 | 37,867,000 | 43,039,000 |
| Total loans | 14,155,000 | 15,122,000 | 14,633,000 | 23,066,000 |
| Allowance for loan losses | 246,000 | 246,000 | 243,000 | 244,000 |
| Securities available for sale | 0 | 0 | 1,130,000 | 0 |
| Securities held to maturity | 2,130,000 | 2,130,000 | 1,000,000 | 2,186,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,800,000 | 33,430,000 | 35,175,000 | 35,870,000 |
| Interest-bearing deposits | 22,841,000 | 22,466,000 | 22,351,000 | 24,434,000 |
| Noninterest-bearing deposits | 9,959,000 | 10,964,000 | 12,824,000 | 11,436,000 |
| Equity capital | 2,312,000 | 2,416,000 | 2,552,000 | 6,850,000 |
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 | 330,000 | 660,000 | 1,025,000 | 1,403,000 |
| Interest expense | 22,000 | 42,000 | 60,000 | 77,000 |
| Net interest income | 308,000 | 618,000 | 965,000 | 1,326,000 |
| Noninterest income | 71,000 | 168,000 | 277,000 | 365,000 |
| Noninterest expense | 245,000 | 518,000 | 813,000 | 1,359,000 |
| Provision for loan losses | 0 | 0 | 0 | 5,000 |
| Pretax income | 134,000 | 268,000 | 429,000 | 327,000 |
| Income tax | 20,000 | 50,000 | 75,000 | 46,000 |
| Net income | 114,000 | 218,000 | 354,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,312,000 | 2,416,000 | 2,552,000 | 3,230,000 |
| Total capital | 2,547,000 | 2,661,000 | 2,794,000 | 3,474,000 |
| Risk-weighted assets | 18,767,000 | 19,625,000 | 19,394,000 | 27,183,000 |
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