Call reports 2004
TOWNEBANK — 2004
What TOWNEBANK 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 | 1,309,575,000 | 1,364,727,000 | 1,415,924,000 | 1,448,583,000 |
| Total loans | 966,037,000 | 1,041,278,000 | 1,097,328,000 | 1,130,185,000 |
| Allowance for loan losses | 13,356,000 | 14,015,000 | 14,814,000 | 14,999,000 |
| Securities available for sale | 173,906,000 | 157,962,000 | 155,098,000 | 153,034,000 |
| Securities held to maturity | 8,027,000 | 8,027,000 | 8,028,000 | 11,398,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,080,404,000 | 1,074,159,000 | 1,124,369,000 | 1,127,185,000 |
| Interest-bearing deposits | 771,261,000 | 753,532,000 | 784,378,000 | 801,058,000 |
| Noninterest-bearing deposits | 309,143,000 | 320,627,000 | 339,991,000 | 326,127,000 |
| Equity capital | 143,610,000 | 144,961,000 | 185,228,000 | 188,521,000 |
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 | 11,629,000 | 26,934,000 | 43,499,000 | 61,617,000 |
| Interest expense | 3,816,000 | 8,064,000 | 12,453,000 | 17,174,000 |
| Net interest income | 7,813,000 | 18,870,000 | 31,046,000 | 44,443,000 |
| Noninterest income | 5,574,000 | 13,449,000 | 20,943,000 | 28,187,000 |
| Noninterest expense | 10,085,000 | 24,199,000 | 38,051,000 | 52,544,000 |
| Provision for loan losses | 543,000 | 1,361,000 | 2,178,000 | 2,604,000 |
| Pretax income | 2,759,000 | 6,771,000 | 11,772,000 | 17,494,000 |
| Income tax | 954,000 | 2,363,000 | 4,126,000 | 6,214,000 |
| Net income | 1,805,000 | 4,408,000 | 7,646,000 | 11,280,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 90,664,000 | 95,883,000 | 134,171,000 | 139,082,000 |
| Total capital | 131,955,000 | 138,182,000 | 193,334,000 | 197,841,000 |
| Risk-weighted assets | 1,022,457,000 | 1,124,345,000 | 1,206,656,000 | 1,260,610,000 |