Call reports 2004
TOWN SQUARE BANK INC. — 2004
What TOWN SQUARE BANK INC. 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 | 121,536,000 | 121,401,000 | 124,682,000 | 132,540,000 |
| Total loans | 96,461,000 | 100,118,000 | 103,277,000 | 103,175,000 |
| Allowance for loan losses | 1,251,000 | 1,503,000 | 1,438,000 | 1,748,000 |
| Securities available for sale | 5,590,000 | 6,964,000 | 7,170,000 | 9,604,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,366,000 | 104,241,000 | 103,413,000 | 116,133,000 |
| Interest-bearing deposits | 95,456,000 | 91,634,000 | 89,868,000 | 99,829,000 |
| Noninterest-bearing deposits | 10,910,000 | 12,607,000 | 13,545,000 | 16,304,000 |
| Equity capital | 9,715,000 | 10,235,000 | 10,424,000 | 10,461,000 |
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 | 1,747,000 | 3,546,000 | 5,440,000 | 7,427,000 |
| Interest expense | 640,000 | 1,252,000 | 1,864,000 | 2,535,000 |
| Net interest income | 1,107,000 | 2,294,000 | 3,576,000 | 4,892,000 |
| Noninterest income | 196,000 | 389,000 | 593,000 | 754,000 |
| Noninterest expense | 934,000 | 1,868,000 | 2,834,000 | 3,827,000 |
| Provision for loan losses | 225,000 | 450,000 | 800,000 | 1,196,000 |
| Pretax income | 144,000 | 365,000 | 535,000 | 623,000 |
| Income tax | 49,000 | 124,000 | 182,000 | 210,000 |
| Net income | 95,000 | 241,000 | 353,000 | 413,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,679,000 | 10,389,000 | 10,434,000 | 10,493,000 |
| Total capital | 10,883,000 | 11,669,000 | 11,678,000 | 11,867,000 |
| Risk-weighted assets | 96,261,000 | 102,161,000 | 99,364,000 | 109,541,000 |