Call reports 2004
TORREY PINES BANK — 2004
What TORREY PINES 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 | 183,257,000 | 212,634,000 | 244,147,000 | 257,515,000 |
| Total loans | 89,338,000 | 108,292,000 | 129,378,000 | 164,082,000 |
| Allowance for loan losses | 1,559,000 | 1,709,000 | 1,759,000 | 1,999,000 |
| Securities available for sale | 61,885,000 | 55,237,000 | 55,545,000 | 52,054,000 |
| Securities held to maturity | 19,165,000 | 17,875,000 | 16,245,000 | 25,308,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 121,015,000 | 175,447,000 | 217,368,000 | 199,383,000 |
| Interest-bearing deposits | 64,639,000 | 76,509,000 | 99,363,000 | 103,713,000 |
| Noninterest-bearing deposits | 56,376,000 | 98,938,000 | 118,005,000 | 95,670,000 |
| Equity capital | 19,080,000 | 23,277,000 | 24,245,000 | 26,405,000 |
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 | 1,890,000 | 4,072,000 | 6,588,000 | 9,598,000 |
| Interest expense | 307,000 | 583,000 | 924,000 | 1,456,000 |
| Net interest income | 1,583,000 | 3,489,000 | 5,664,000 | 8,142,000 |
| Noninterest income | 181,000 | 296,000 | 420,000 | 544,000 |
| Noninterest expense | 1,291,000 | 2,716,000 | 4,443,000 | 6,302,000 |
| Provision for loan losses | 400,000 | 550,000 | 600,000 | 840,000 |
| Pretax income | 73,000 | 579,000 | 1,101,000 | 1,604,000 |
| Income tax | 11,000 | 193,000 | 387,000 | 584,000 |
| Net income | 62,000 | 386,000 | 714,000 | 1,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,817,000 | 24,140,000 | 24,468,000 | 26,774,000 |
| Total capital | 20,302,000 | 25,870,000 | 26,256,000 | 28,809,000 |
| Risk-weighted assets | 118,712,000 | 142,688,000 | 162,890,000 | 200,159,000 |