Call reports 2004
BMW BANK OF NORTH AMERICA — 2004
What BMW BANK OF NORTH AMERICA 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 | 1,370,007,000 | 1,219,479,000 | 1,378,871,000 | 1,536,819,000 |
| Total loans | 1,362,633,000 | 1,208,705,000 | 1,353,623,000 | 1,503,904,000 |
| Allowance for loan losses | 16,626,000 | 15,921,000 | 16,660,000 | 15,476,000 |
| Securities available for sale | 11,142,000 | 10,166,000 | 17,949,000 | 20,459,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,468,000 | 149,149,000 | 518,957,000 | 575,604,000 |
| Interest-bearing deposits | 134,468,000 | 149,149,000 | 518,957,000 | 575,604,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 122,636,000 | 128,434,000 | 134,391,000 | 139,179,000 |
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 | 16,841,000 | 31,268,000 | 51,742,000 | 74,318,000 |
| Interest expense | 6,320,000 | 12,398,000 | 20,426,000 | 29,225,000 |
| Net interest income | 10,521,000 | 18,870,000 | 31,316,000 | 45,093,000 |
| Noninterest income | 12,657,000 | 24,546,000 | 36,458,000 | 50,943,000 |
| Noninterest expense | 8,276,000 | 14,163,000 | 23,527,000 | 39,757,000 |
| Provision for loan losses | 1,021,000 | 2,959,000 | 5,781,000 | 7,302,000 |
| Pretax income | 13,881,000 | 26,294,000 | 38,466,000 | 48,977,000 |
| Income tax | 5,299,000 | 10,039,000 | 14,873,000 | 18,603,000 |
| Net income | 8,582,000 | 16,255,000 | 23,593,000 | 30,374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 122,497,000 | 128,514,000 | 134,248,000 | 139,073,000 |
| Total capital | 139,123,000 | 143,766,000 | 150,908,000 | 154,549,000 |
| Risk-weighted assets | 1,373,296,000 | 1,219,513,000 | 1,369,699,000 | 1,527,878,000 |
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