Call reports 2004
FREESTAR BANK, NATIONAL ASSOCIATION — 2004
What FREESTAR 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 | 240,042,000 | 243,727,000 | 253,151,000 | 260,474,000 |
| Total loans | 143,313,000 | 149,484,000 | 153,085,000 | 154,959,000 |
| Allowance for loan losses | 2,081,000 | 1,964,000 | 1,972,000 | 2,213,000 |
| Securities available for sale | 75,800,000 | 74,197,000 | 79,257,000 | 82,706,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,904,000 | 178,084,000 | 184,946,000 | 192,996,000 |
| Interest-bearing deposits | 149,842,000 | 149,053,000 | 157,968,000 | 160,416,000 |
| Noninterest-bearing deposits | 29,062,000 | 29,031,000 | 26,978,000 | 32,580,000 |
| Equity capital | 20,664,000 | 19,516,000 | 21,460,000 | 22,214,000 |
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 | 2,948,000 | 5,846,000 | 8,956,000 | 12,654,000 |
| Interest expense | 867,000 | 1,742,000 | 2,703,000 | 3,717,000 |
| Net interest income | 2,081,000 | 4,104,000 | 6,253,000 | 8,937,000 |
| Noninterest income | 714,000 | 1,522,000 | 2,249,000 | 3,056,000 |
| Noninterest expense | 1,933,000 | 3,857,000 | 5,783,000 | 7,904,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 862,000 | 1,765,000 | 2,715,000 | 3,733,000 |
| Income tax | 477,000 | 490,000 | 503,000 | 365,000 |
| Net income | 385,000 | 1,275,000 | 2,212,000 | 3,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,229,000 | 18,929,000 | 19,608,000 | 20,604,000 |
| Total capital | 20,101,000 | 20,875,000 | 21,580,000 | 22,672,000 |
| Risk-weighted assets | 149,540,000 | 155,671,000 | 161,249,000 | 165,269,000 |