Call reports 2004
REPUBLIC NATIONAL BANK — 2004
What REPUBLIC NATIONAL 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 | 463,285,000 | 473,531,000 | 503,071,000 | 573,004,000 |
| Total loans | 335,933,000 | 348,569,000 | 371,233,000 | 402,495,000 |
| Allowance for loan losses | 4,132,000 | 4,358,000 | 4,631,000 | 4,813,000 |
| Securities available for sale | 63,159,000 | 65,903,000 | 50,600,000 | 69,236,000 |
| Securities held to maturity | 20,160,000 | 18,740,000 | 17,745,000 | 16,854,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,230,000 | 399,528,000 | 430,407,000 | 498,593,000 |
| Interest-bearing deposits | 335,118,000 | 350,078,000 | 374,440,000 | 425,145,000 |
| Noninterest-bearing deposits | 53,112,000 | 49,450,000 | 55,966,000 | 73,448,000 |
| Equity capital | 38,320,000 | 38,843,000 | 40,649,000 | 42,140,000 |
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 | 5,838,000 | 11,909,000 | 18,388,000 | 25,342,000 |
| Interest expense | 1,108,000 | 2,263,000 | 3,548,000 | 5,024,000 |
| Net interest income | 4,730,000 | 9,646,000 | 14,840,000 | 20,318,000 |
| Noninterest income | 828,000 | 1,487,000 | 2,253,000 | 3,006,000 |
| Noninterest expense | 3,286,000 | 6,753,000 | 10,538,000 | 14,291,000 |
| Provision for loan losses | 450,000 | 825,000 | 1,125,000 | 1,450,000 |
| Pretax income | 1,822,000 | 3,555,000 | 5,434,000 | 7,583,000 |
| Income tax | 596,000 | 1,161,000 | 1,772,000 | 2,482,000 |
| Net income | 1,226,000 | 2,394,000 | 3,662,000 | 5,101,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,459,000 | 39,627,000 | 40,895,000 | 42,334,000 |
| Total capital | 42,591,000 | 43,985,000 | 45,526,000 | 47,147,000 |
| Risk-weighted assets | 364,660,000 | 379,492,000 | 405,301,000 | 447,013,000 |