Call reports 2005
TORREY PINES BANK — 2005
What TORREY PINES BANK 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 | 294,255,000 | 334,024,000 | 357,271,000 | 405,010,000 |
| Total loans | 192,294,000 | 215,334,000 | 256,290,000 | 305,094,000 |
| Allowance for loan losses | 2,309,000 | 2,589,000 | 2,982,000 | 3,445,000 |
| Securities available for sale | 42,029,000 | 39,677,000 | 46,913,000 | 43,558,000 |
| Securities held to maturity | 24,433,000 | 23,144,000 | 21,374,000 | 19,317,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 263,782,000 | 295,043,000 | 315,093,000 | 335,292,000 |
| Interest-bearing deposits | 122,126,000 | 152,989,000 | 163,160,000 | 180,913,000 |
| Noninterest-bearing deposits | 141,656,000 | 142,054,000 | 151,933,000 | 154,379,000 |
| Equity capital | 26,515,000 | 27,036,000 | 32,705,000 | 33,386,000 |
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 | 3,462,000 | 7,632,000 | 12,568,000 | 18,643,000 |
| Interest expense | 652,000 | 1,447,000 | 2,453,000 | 3,997,000 |
| Net interest income | 2,810,000 | 6,185,000 | 10,115,000 | 14,646,000 |
| Noninterest income | 129,000 | 280,000 | 492,000 | 744,000 |
| Noninterest expense | 2,270,000 | 4,821,000 | 7,282,000 | 10,234,000 |
| Provision for loan losses | 310,000 | 590,000 | 983,000 | 1,447,000 |
| Pretax income | 354,000 | 1,054,000 | 2,337,000 | 3,704,000 |
| Income tax | 130,000 | 424,000 | 940,000 | 1,497,000 |
| Net income | 224,000 | 630,000 | 1,397,000 | 2,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,998,000 | 27,404,000 | 33,171,000 | 33,981,000 |
| Total capital | 29,371,000 | 30,080,000 | 36,228,000 | 37,498,000 |
| Risk-weighted assets | 233,336,000 | 259,941,000 | 307,266,000 | 345,910,000 |