Call reports 2004
TRUST ONE BANK — 2004
What TRUST ONE 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 | 449,955,000 | 493,010,000 | 516,249,000 | 524,455,000 |
| Total loans | 319,423,000 | 316,345,000 | 346,399,000 | 358,952,000 |
| Allowance for loan losses | 4,253,000 | 4,624,000 | 4,752,000 | 4,892,000 |
| Securities available for sale | 82,131,000 | 68,891,000 | 64,161,000 | 58,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 371,344,000 | 334,533,000 | 323,587,000 | 327,447,000 |
| Interest-bearing deposits | 330,077,000 | 293,240,000 | 283,272,000 | 285,019,000 |
| Noninterest-bearing deposits | 41,267,000 | 41,293,000 | 40,315,000 | 42,428,000 |
| Equity capital | 33,966,000 | 111,007,000 | 114,400,000 | 116,276,000 |
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 | 5,409,000 | 1,757,000 | 6,724,000 | 12,220,000 |
| Interest expense | 1,470,000 | 473,000 | 1,622,000 | 3,127,000 |
| Net interest income | 3,939,000 | 1,284,000 | 5,102,000 | 9,093,000 |
| Noninterest income | 221,000 | 72,000 | 333,000 | 546,000 |
| Noninterest expense | 1,996,000 | 665,000 | 3,000,000 | 4,816,000 |
| Provision for loan losses | 365,000 | 50,000 | 200,000 | 427,000 |
| Pretax income | 1,799,000 | 641,000 | 2,235,000 | 4,804,000 |
| Income tax | 589,000 | 185,000 | 894,000 | 1,877,000 |
| Net income | 1,210,000 | 456,000 | 1,341,000 | 2,927,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,393,000 | 32,776,000 | 34,510,000 | 35,314,000 |
| Total capital | 37,646,000 | 37,012,000 | 38,993,000 | 40,322,000 |
| Risk-weighted assets | 345,062,000 | 338,517,000 | 358,328,000 | 367,478,000 |