Call reports 2004
TRUPOINT BANK — 2004
What TRUPOINT 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 | 390,589,000 | 390,608,000 | 395,194,000 | 390,221,000 |
| Total loans | 245,606,000 | 256,473,000 | 264,426,000 | 268,300,000 |
| Allowance for loan losses | 2,933,000 | 3,053,000 | 3,174,000 | 3,202,000 |
| Securities available for sale | 109,927,000 | 101,256,000 | 90,307,000 | 85,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 346,626,000 | 345,631,000 | 348,836,000 | 337,173,000 |
| Interest-bearing deposits | 302,095,000 | 298,208,000 | 296,989,000 | 291,585,000 |
| Noninterest-bearing deposits | 44,531,000 | 47,423,000 | 51,847,000 | 45,588,000 |
| Equity capital | 36,835,000 | 35,172,000 | 37,617,000 | 38,261,000 |
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 | 5,082,000 | 10,159,000 | 15,340,000 | 20,562,000 |
| Interest expense | 1,583,000 | 3,081,000 | 4,566,000 | 6,034,000 |
| Net interest income | 3,499,000 | 7,078,000 | 10,774,000 | 14,528,000 |
| Noninterest income | 479,000 | 1,029,000 | 1,752,000 | 2,509,000 |
| Noninterest expense | 2,462,000 | 4,972,000 | 7,583,000 | 10,357,000 |
| Provision for loan losses | 225,000 | 480,000 | 750,000 | 1,040,000 |
| Pretax income | 1,345,000 | 2,735,000 | 4,275,000 | 5,732,000 |
| Income tax | 241,000 | 509,000 | 840,000 | 1,144,000 |
| Net income | 1,104,000 | 2,226,000 | 3,435,000 | 4,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,559,000 | 29,559,000 | 30,639,000 | 31,637,000 |
| Total capital | 31,492,000 | 32,612,000 | 33,796,000 | 34,839,000 |
| Risk-weighted assets | 236,047,000 | 245,965,000 | 252,547,000 | 256,483,000 |