Call reports 2004
DARBY BANK & TRUST CO. — 2004
What DARBY BANK & TRUST CO. 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 | 465,149,000 | 479,276,000 | 487,440,000 | 485,587,000 |
| Total loans | 377,627,000 | 384,181,000 | 393,804,000 | 394,905,000 |
| Allowance for loan losses | 6,844,000 | 5,973,000 | 6,512,000 | 6,616,000 |
| Securities available for sale | 2,156,000 | 2,090,000 | 2,096,000 | 2,068,000 |
| Securities held to maturity | 58,010,000 | 63,016,000 | 65,691,000 | 66,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 395,341,000 | 404,505,000 | 414,807,000 | 412,643,000 |
| Interest-bearing deposits | 352,828,000 | 361,668,000 | 373,654,000 | 372,206,000 |
| Noninterest-bearing deposits | 42,513,000 | 42,837,000 | 41,153,000 | 40,437,000 |
| Equity capital | 35,187,000 | 36,523,000 | 37,703,000 | 36,746,000 |
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 | 6,945,000 | 13,906,000 | 21,105,000 | 28,457,000 |
| Interest expense | 2,175,000 | 4,295,000 | 6,481,000 | 8,795,000 |
| Net interest income | 4,770,000 | 9,611,000 | 14,624,000 | 19,662,000 |
| Noninterest income | 675,000 | 1,688,000 | 2,221,000 | 2,938,000 |
| Noninterest expense | 2,906,000 | 5,983,000 | 9,030,000 | 11,534,000 |
| Provision for loan losses | 435,000 | 1,265,000 | 1,950,000 | 7,372,000 |
| Pretax income | 2,104,000 | 4,051,000 | 5,865,000 | 3,694,000 |
| Income tax | 715,000 | 1,377,000 | 1,994,000 | 1,256,000 |
| Net income | 1,389,000 | 2,674,000 | 3,871,000 | 2,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,097,000 | 36,382,000 | 37,579,000 | 36,646,000 |
| Total capital | 40,001,000 | 41,382,000 | 42,638,000 | 41,738,000 |
| Risk-weighted assets | 390,445,000 | 399,044,000 | 403,237,000 | 405,843,000 |