Call reports 2005
EUROBANK — 2005
What EUROBANK 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 | 2,118,995,000 | 2,274,193,000 | 2,379,240,000 | 2,392,021,000 |
| Total loans | 1,438,163,000 | 1,529,961,000 | 1,526,412,000 | 1,577,196,000 |
| Allowance for loan losses | 17,966,000 | 16,043,000 | 15,266,000 | 18,188,000 |
| Securities available for sale | 534,803,000 | 600,925,000 | 685,884,000 | 627,080,000 |
| Securities held to maturity | 48,062,000 | 45,961,000 | 44,281,000 | 42,471,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,446,208,000 | 1,501,261,000 | 1,582,148,000 | 1,734,650,000 |
| Interest-bearing deposits | 1,310,735,000 | 1,347,546,000 | 1,445,509,000 | 1,587,490,000 |
| Noninterest-bearing deposits | 135,473,000 | 153,715,000 | 136,639,000 | 147,160,000 |
| Equity capital | 133,756,000 | 142,830,000 | 142,246,000 | 141,467,000 |
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 | 31,753,000 | 65,689,000 | 96,400,000 | 133,232,000 |
| Interest expense | 13,098,000 | 27,360,000 | 44,529,000 | 63,188,000 |
| Net interest income | 18,655,000 | 38,329,000 | 51,871,000 | 70,044,000 |
| Noninterest income | 1,077,000 | 3,517,000 | 5,845,000 | 7,562,000 |
| Noninterest expense | 10,795,000 | 22,075,000 | 27,370,000 | 37,510,000 |
| Provision for loan losses | 1,250,000 | 3,325,000 | 6,340,000 | 12,775,000 |
| Pretax income | 7,457,000 | 16,216,000 | 23,776,000 | 27,020,000 |
| Income tax | 2,326,000 | 5,429,000 | 7,800,000 | 8,952,000 |
| Net income | 5,131,000 | 10,787,000 | 15,976,000 | 18,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,179,000 | 145,266,000 | 149,990,000 | 151,657,000 |
| Total capital | 177,350,000 | 181,515,000 | 185,473,000 | 190,070,000 |
| Risk-weighted assets | 1,656,596,000 | 1,717,219,000 | 1,739,975,000 | 1,772,949,000 |