Call reports 2005
TOWNEBANK — 2005
What TOWNEBANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,525,103,000 | 1,653,065,000 | 1,765,192,000 | 1,803,307,000 |
| Total loans | 1,160,481,000 | 1,211,475,000 | 1,255,747,000 | 1,292,265,000 |
| Allowance for loan losses | 15,359,000 | 15,766,000 | 16,545,000 | 17,071,000 |
| Securities available for sale | 149,748,000 | 162,615,000 | 192,137,000 | 268,526,000 |
| Securities held to maturity | 22,118,000 | 22,119,000 | 21,119,000 | 36,184,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,221,751,000 | 1,328,486,000 | 1,429,046,000 | 1,468,612,000 |
| Interest-bearing deposits | 838,845,000 | 889,648,000 | 985,077,000 | 1,050,663,000 |
| Noninterest-bearing deposits | 382,906,000 | 438,838,000 | 443,969,000 | 417,949,000 |
| Equity capital | 197,015,000 | 202,718,000 | 206,902,000 | 211,986,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 19,035,000 | 39,895,000 | 63,408,000 | 89,479,000 |
| Interest expense | 5,135,000 | 10,965,000 | 18,443,000 | 27,036,000 |
| Net interest income | 13,900,000 | 28,930,000 | 44,965,000 | 62,443,000 |
| Noninterest income | 11,623,000 | 27,442,000 | 44,289,000 | 59,119,000 |
| Noninterest expense | 18,709,000 | 42,355,000 | 67,755,000 | 91,991,000 |
| Provision for loan losses | 500,000 | 996,000 | 1,827,000 | 2,364,000 |
| Pretax income | 6,314,000 | 13,021,000 | 19,672,000 | 27,221,000 |
| Income tax | 2,147,000 | 4,531,000 | 6,956,000 | 9,541,000 |
| Net income | 4,167,000 | 8,490,000 | 12,716,000 | 17,680,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 143,255,000 | 147,468,000 | 152,387,000 | 158,461,000 |
| Total capital | 202,086,000 | 206,600,000 | 212,175,000 | 218,627,000 |
| Risk-weighted assets | 1,305,670,000 | 1,361,775,000 | 1,443,922,000 | 1,505,320,000 |