Call reports 2004
TSB BANK — 2004
What TSB 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 | 52,062,000 | 54,432,000 | 57,081,000 | 59,036,000 |
| Total loans | 38,329,000 | 40,058,000 | 41,834,000 | 42,973,000 |
| Allowance for loan losses | 430,000 | 442,000 | 483,000 | 439,000 |
| Securities available for sale | 1,107,000 | 858,000 | 1,636,000 | 1,581,000 |
| Securities held to maturity | 5,355,000 | 3,880,000 | 6,905,000 | 5,655,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,762,000 | 43,922,000 | 46,516,000 | 49,642,000 |
| Interest-bearing deposits | 35,448,000 | 36,904,000 | 39,187,000 | 41,924,000 |
| Noninterest-bearing deposits | 6,314,000 | 7,019,000 | 7,329,000 | 7,718,000 |
| Equity capital | 4,637,000 | 4,731,000 | 4,769,000 | 4,683,000 |
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 | 667,000 | 1,374,000 | 2,108,000 | 2,867,000 |
| Interest expense | 189,000 | 379,000 | 598,000 | 840,000 |
| Net interest income | 478,000 | 995,000 | 1,510,000 | 2,027,000 |
| Noninterest income | 70,000 | 167,000 | 241,000 | 316,000 |
| Noninterest expense | 418,000 | 840,000 | 1,333,000 | 1,776,000 |
| Provision for loan losses | 40,000 | 70,000 | 114,000 | 404,000 |
| Pretax income | 90,000 | 245,000 | 297,000 | 154,000 |
| Income tax | 31,000 | 91,000 | 105,000 | 45,000 |
| Net income | 59,000 | 154,000 | 192,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,639,000 | 4,735,000 | 4,775,000 | 4,689,000 |
| Total capital | 5,069,000 | 5,176,000 | 5,258,000 | 5,128,000 |
| Risk-weighted assets | 43,257,000 | 44,901,000 | 49,450,000 | 49,935,000 |