Call reports 2004
FIRST REGIONAL BANK — 2004
What FIRST REGIONAL 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 | 856,012,000 | 978,638,000 | 1,069,033,000 | 1,300,622,000 |
| Total loans | 799,874,000 | 905,237,000 | 983,637,000 | 1,157,162,000 |
| Allowance for loan losses | 8,659,000 | 9,035,000 | 10,084,000 | 11,825,000 |
| Securities available for sale | 1,847,000 | 2,842,000 | 2,743,000 | 3,434,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 730,511,000 | 841,438,000 | 949,909,000 | 1,002,520,000 |
| Interest-bearing deposits | 473,988,000 | 531,059,000 | 590,242,000 | 638,178,000 |
| Noninterest-bearing deposits | 256,523,000 | 310,379,000 | 359,667,000 | 364,342,000 |
| Equity capital | 85,645,000 | 88,278,000 | 92,127,000 | 114,666,000 |
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 | 10,756,000 | 22,908,000 | 37,405,000 | 55,790,000 |
| Interest expense | 1,137,000 | 2,429,000 | 4,062,000 | 6,387,000 |
| Net interest income | 9,619,000 | 20,479,000 | 33,343,000 | 49,403,000 |
| Noninterest income | 1,274,000 | 2,421,000 | 3,668,000 | 4,956,000 |
| Noninterest expense | 6,806,000 | 13,874,000 | 20,827,000 | 28,306,000 |
| Provision for loan losses | 746,000 | 1,637,000 | 2,686,000 | 4,427,000 |
| Pretax income | 3,341,000 | 7,389,000 | 13,498,000 | 21,626,000 |
| Income tax | 1,128,000 | 2,543,000 | 4,803,000 | 7,892,000 |
| Net income | 2,213,000 | 4,846,000 | 8,695,000 | 13,734,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,645,000 | 88,278,000 | 92,127,000 | 114,666,000 |
| Total capital | 94,445,000 | 97,478,000 | 102,427,000 | 126,966,000 |
| Risk-weighted assets | 766,841,000 | 888,095,000 | 976,346,000 | 1,182,476,000 |