Call reports 2004
BLC BANK NATIONAL ASSOCIATION — 2004
What BLC BANK NATIONAL ASSOCIATION 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 | 1,525,271,000 | 1,548,609,000 | 1,614,594,000 | 1,665,904,000 |
| Total loans | 1,047,656,000 | 1,095,631,000 | 1,171,518,000 | 1,214,151,000 |
| Allowance for loan losses | 11,147,000 | 11,467,000 | 12,101,000 | 12,352,000 |
| Securities available for sale | 296,109,000 | 268,368,000 | 257,174,000 | 244,103,000 |
| Securities held to maturity | 23,484,000 | 22,038,000 | 21,510,000 | 20,698,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,122,456,000 | 1,153,561,000 | 1,149,026,000 | 1,194,547,000 |
| Interest-bearing deposits | 970,908,000 | 980,143,000 | 982,175,000 | 1,006,116,000 |
| Noninterest-bearing deposits | 151,548,000 | 173,418,000 | 166,851,000 | 188,431,000 |
| Equity capital | 176,656,000 | 172,712,000 | 179,514,000 | 183,217,000 |
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 | 22,591,000 | 46,038,000 | 70,868,000 | 96,897,000 |
| Interest expense | 5,652,000 | 11,235,000 | 17,263,000 | 23,806,000 |
| Net interest income | 16,939,000 | 34,803,000 | 53,605,000 | 73,091,000 |
| Noninterest income | 10,023,000 | 20,143,000 | 30,136,000 | 40,891,000 |
| Noninterest expense | 17,351,000 | 35,322,000 | 53,059,000 | 71,251,000 |
| Provision for loan losses | 547,000 | 1,148,000 | 2,393,000 | 2,902,000 |
| Pretax income | 9,061,000 | 18,494,000 | 28,318,000 | 39,872,000 |
| Income tax | 2,619,000 | 5,424,000 | 8,365,000 | 11,878,000 |
| Net income | 6,442,000 | 13,070,000 | 19,953,000 | 27,994,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,506,000 | 150,660,000 | 153,803,000 | 158,391,000 |
| Total capital | 160,331,000 | 163,791,000 | 168,053,000 | 173,363,000 |
| Risk-weighted assets | 1,320,069,000 | 1,371,289,000 | 1,444,485,000 | 1,491,067,000 |