Call reports 2004
FLAGSTAR BANK, NATIONAL ASSOCIATION — 2004
What FLAGSTAR 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 | 26,374,991,000 | 24,203,237,000 | 23,743,761,000 | 23,963,342,000 |
| Total loans | 10,936,739,000 | 12,001,381,000 | 12,735,827,000 | 13,396,677,000 |
| Allowance for loan losses | 78,293,000 | 78,293,000 | 78,293,000 | 78,057,000 |
| Securities available for sale | 8,222,547,000 | 3,900,513,000 | 3,241,031,000 | 3,072,661,000 |
| Securities held to maturity | 3,816,806,000 | 4,520,016,000 | 4,240,849,000 | 3,962,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,228,151,000 | 10,147,645,000 | 10,353,634,000 | 10,579,773,000 |
| Interest-bearing deposits | 9,309,733,000 | 9,286,588,000 | 9,487,314,000 | 9,662,880,000 |
| Noninterest-bearing deposits | 918,418,000 | 861,057,000 | 866,320,000 | 916,894,000 |
| Equity capital | 3,873,959,000 | 3,698,027,000 | 3,868,490,000 | 3,701,916,000 |
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 | 298,115,000 | 634,977,000 | 913,564,000 | 1,184,205,000 |
| Interest expense | 73,332,000 | 157,679,000 | 253,300,000 | 352,121,000 |
| Net interest income | 224,783,000 | 477,298,000 | 660,264,000 | 832,084,000 |
| Noninterest income | 23,952,000 | 46,270,000 | 67,399,000 | 89,791,000 |
| Noninterest expense | 49,844,000 | 98,915,000 | 148,441,000 | 202,888,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 208,835,000 | 277,184,000 | 432,164,000 | 564,204,000 |
| Income tax | 71,061,000 | 86,748,000 | 136,102,000 | 176,837,000 |
| Net income | 137,774,000 | 190,436,000 | 296,062,000 | 387,367,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,964,811,000 | 1,915,115,000 | 2,030,903,000 | 1,864,443,000 |
| Total capital | 2,043,928,000 | 1,993,408,000 | 2,109,196,000 | 1,942,995,000 |
| Risk-weighted assets | 11,500,503,000 | 11,554,319,000 | 11,516,889,000 | 11,783,767,000 |
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