Call reports 2004
TALMER WEST BANK — 2004
What TALMER WEST 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 | 332,342,000 | 328,466,000 | 330,464,000 | 330,656,000 |
| Total loans | 297,951,000 | 298,033,000 | 299,445,000 | 299,887,000 |
| Allowance for loan losses | 4,111,000 | 4,086,000 | 3,990,000 | 3,907,000 |
| Securities available for sale | 351,000 | 349,000 | 348,000 | 344,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,216,000 | 274,674,000 | 276,230,000 | 277,186,000 |
| Interest-bearing deposits | 230,781,000 | 230,173,000 | 232,252,000 | 230,560,000 |
| Noninterest-bearing deposits | 47,435,000 | 44,501,000 | 43,978,000 | 46,626,000 |
| Equity capital | 25,781,000 | 25,930,000 | 26,223,000 | 26,494,000 |
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 | 4,848,000 | 9,667,000 | 14,549,000 | 19,566,000 |
| Interest expense | 1,428,000 | 2,774,000 | 4,143,000 | 5,563,000 |
| Net interest income | 3,420,000 | 6,893,000 | 10,406,000 | 14,003,000 |
| Noninterest income | 555,000 | 1,129,000 | 1,607,000 | 2,097,000 |
| Noninterest expense | 1,976,000 | 3,845,000 | 5,715,000 | 7,547,000 |
| Provision for loan losses | 190,000 | 930,000 | 1,508,000 | 2,137,000 |
| Pretax income | 1,809,000 | 3,247,000 | 4,790,000 | 6,416,000 |
| Income tax | 615,000 | 1,104,000 | 1,629,000 | 2,182,000 |
| Net income | 1,194,000 | 2,143,000 | 3,161,000 | 4,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,781,000 | 25,930,000 | 26,223,000 | 26,496,000 |
| Total capital | 29,469,000 | 29,627,000 | 29,972,000 | 30,215,000 |
| Risk-weighted assets | 294,638,000 | 295,398,000 | 299,657,000 | 297,351,000 |