Call reports 2004
BB&T FINANCIAL, FSB — 2004
What BB&T FINANCIAL, FSB 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 | 100,134,000 | 107,150,000 | 103,371,000 | 156,356,000 |
| Total loans | 96,193,000 | 98,923,000 | 100,205,000 | 105,817,000 |
| Allowance for loan losses | 4,363,000 | 4,990,000 | 5,208,000 | 5,205,000 |
| Securities available for sale | 1,033,000 | 1,015,000 | 1,035,000 | 1,031,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 616,000 | 612,000 | 627,000 | 650,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 616,000 | 612,000 | 627,000 | 650,000 |
| Equity capital | 21,384,000 | 22,252,000 | 23,507,000 | 14,826,000 |
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 | 2,107,000 | 4,244,000 | 6,529,000 | 9,018,000 |
| Interest expense | 192,000 | 382,000 | 650,000 | 1,070,000 |
| Net interest income | 1,915,000 | 3,862,000 | 5,879,000 | 7,948,000 |
| Noninterest income | 2,225,000 | 4,767,000 | 7,400,000 | 10,078,000 |
| Noninterest expense | 1,407,000 | 2,911,000 | 4,586,000 | 6,256,000 |
| Provision for loan losses | 1,499,000 | 2,949,000 | 3,976,000 | 4,859,000 |
| Pretax income | 1,234,000 | 2,769,000 | 4,717,000 | 6,911,000 |
| Income tax | 536,000 | 1,192,000 | 1,896,000 | 2,770,000 |
| Net income | 698,000 | 1,577,000 | 2,821,000 | 4,141,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,751,000 | 21,028,000 | 22,347,000 | 13,744,000 |
| Total capital | 21,020,000 | 22,350,000 | 23,672,000 | 15,484,000 |
| Risk-weighted assets | 98,322,000 | 102,020,000 | 102,027,000 | 135,739,000 |