Call reports 2004
EUROBANK — 2004
What EUROBANK 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 | 1,412,388,000 | 1,926,806,000 | 1,967,906,000 | 2,101,351,000 |
| Total loans | 961,244,000 | 1,340,813,000 | 1,366,377,000 | 1,387,613,000 |
| Allowance for loan losses | 9,881,000 | 19,390,000 | 20,186,000 | 19,039,000 |
| Securities available for sale | 384,607,000 | 472,315,000 | 502,683,000 | 555,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 49,505,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,054,872,000 | 1,405,910,000 | 1,381,183,000 | 1,409,109,000 |
| Interest-bearing deposits | 943,221,000 | 1,272,661,000 | 1,244,730,000 | 1,270,780,000 |
| Noninterest-bearing deposits | 111,651,000 | 133,249,000 | 136,453,000 | 138,329,000 |
| Equity capital | 81,419,000 | 122,093,000 | 126,977,000 | 132,421,000 |
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 | 19,006,000 | 44,426,000 | 72,990,000 | 103,476,000 |
| Interest expense | 8,196,000 | 17,845,000 | 28,578,000 | 40,392,000 |
| Net interest income | 10,810,000 | 26,581,000 | 44,412,000 | 63,084,000 |
| Noninterest income | 1,557,000 | 3,298,000 | 5,613,000 | 8,881,000 |
| Noninterest expense | 7,345,000 | 16,195,000 | 25,964,000 | 36,920,000 |
| Provision for loan losses | 1,500,000 | 3,975,000 | 5,850,000 | 7,100,000 |
| Pretax income | 3,522,000 | 9,709,000 | 18,211,000 | 27,945,000 |
| Income tax | 1,060,000 | 2,532,000 | 5,332,000 | 8,632,000 |
| Net income | 2,462,000 | 11,591,000 | 17,293,000 | 23,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 78,002,000 | 112,705,000 | 122,775,000 | 130,461,000 |
| Total capital | 120,465,000 | 151,537,000 | 161,797,000 | 169,705,000 |
| Risk-weighted assets | 1,094,930,000 | 1,505,710,000 | 1,520,508,000 | 1,589,748,000 |