Call reports 2004
OCEAN BANK — 2004
What OCEAN BANK 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 | 4,345,600,000 | 4,486,150,000 | 4,507,580,000 | 4,642,227,000 |
| Total loans | 3,341,369,000 | 3,461,827,000 | 3,589,024,000 | 3,393,787,000 |
| Allowance for loan losses | 97,299,000 | 98,597,000 | 96,254,000 | 87,177,000 |
| Securities available for sale | 408,613,000 | 411,814,000 | 395,348,000 | 302,663,000 |
| Securities held to maturity | 331,364,000 | 389,755,000 | 374,325,000 | 594,428,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,793,048,000 | 3,877,821,000 | 3,905,610,000 | 4,030,320,000 |
| Interest-bearing deposits | 3,626,085,000 | 3,696,236,000 | 3,740,247,000 | 3,844,384,000 |
| Noninterest-bearing deposits | 166,963,000 | 181,585,000 | 165,363,000 | 185,936,000 |
| Equity capital | 384,319,000 | 401,623,000 | 419,392,000 | 444,228,000 |
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 | 56,758,000 | 115,795,000 | 176,188,000 | 241,296,000 |
| Interest expense | 11,848,000 | 23,912,000 | 36,418,000 | 49,828,000 |
| Net interest income | 44,910,000 | 91,883,000 | 139,770,000 | 191,468,000 |
| Noninterest income | 9,429,000 | 17,226,000 | 24,688,000 | 32,143,000 |
| Noninterest expense | 24,665,000 | 49,514,000 | 76,504,000 | 101,469,000 |
| Provision for loan losses | 4,000,000 | 1,309,000 | 1,292,000 | -5,708,000 |
| Pretax income | 25,733,000 | 58,562,000 | 86,938,000 | 128,134,000 |
| Income tax | 9,846,000 | 22,412,000 | 33,271,000 | 48,905,000 |
| Net income | 15,887,000 | 36,150,000 | 53,667,000 | 79,229,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 376,006,000 | 398,296,000 | 417,567,000 | 444,842,000 |
| Total capital | 418,973,000 | 442,643,000 | 462,885,000 | 487,711,000 |
| Risk-weighted assets | 3,382,915,000 | 3,493,432,000 | 3,574,442,000 | 3,385,098,000 |
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