Call reports 2004
SHAMROCK BANK, NATIONAL ASSOCIATION — 2004
What SHAMROCK 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 | 162,001,000 | 160,308,000 | 163,899,000 | 163,170,000 |
| Total loans | 86,327,000 | 83,622,000 | 87,530,000 | 93,571,000 |
| Allowance for loan losses | 1,150,000 | 1,329,000 | 1,064,000 | 1,102,000 |
| Securities available for sale | 61,018,000 | 62,205,000 | 62,085,000 | 54,655,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,345,000 | 138,978,000 | 138,061,000 | 141,750,000 |
| Interest-bearing deposits | 108,214,000 | 107,718,000 | 106,262,000 | 107,079,000 |
| Noninterest-bearing deposits | 31,131,000 | 31,260,000 | 31,800,000 | 34,671,000 |
| Equity capital | 17,074,000 | 15,675,000 | 17,108,000 | 15,855,000 |
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 | 2,081,000 | 4,197,000 | 6,359,000 | 8,612,000 |
| Interest expense | 384,000 | 805,000 | 1,229,000 | 1,668,000 |
| Net interest income | 1,697,000 | 3,392,000 | 5,130,000 | 6,944,000 |
| Noninterest income | 374,000 | 753,000 | 1,123,000 | 1,521,000 |
| Noninterest expense | 1,477,000 | 2,927,000 | 4,510,000 | 6,162,000 |
| Provision for loan losses | 80,000 | 408,000 | 450,000 | 556,000 |
| Pretax income | 515,000 | 811,000 | 1,293,000 | 1,766,000 |
| Income tax | 183,000 | 183,000 | 183,000 | 183,000 |
| Net income | 332,000 | 628,000 | 1,110,000 | 1,583,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,000,000 | 15,309,000 | 15,826,000 | 14,923,000 |
| Total capital | 16,065,000 | 16,481,000 | 16,890,000 | 16,025,000 |
| Risk-weighted assets | 84,331,000 | 93,888,000 | 96,393,000 | 100,470,000 |