Call reports 2004
APPLIED BANK — 2004
What APPLIED 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 | 1,114,031,000 | 1,046,763,000 | 1,029,285,000 | 992,351,000 |
| Total loans | 977,872,000 | 972,583,000 | 941,259,000 | 870,791,000 |
| Allowance for loan losses | 247,286,000 | 236,796,000 | 218,182,000 | 206,462,000 |
| Securities available for sale | 97,237,000 | 77,545,000 | 117,300,000 | 136,111,000 |
| Securities held to maturity | 32,448,000 | 32,266,000 | 31,861,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 555,914,000 | 443,466,000 | 398,747,000 | 342,758,000 |
| Interest-bearing deposits | 542,085,000 | 433,413,000 | 387,479,000 | 332,027,000 |
| Noninterest-bearing deposits | 13,829,000 | 10,053,000 | 11,268,000 | 10,731,000 |
| Equity capital | 521,942,000 | 565,502,000 | 588,106,000 | 472,141,000 |
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 | 48,820,000 | 97,938,000 | 145,247,000 | 189,198,000 |
| Interest expense | 7,269,000 | 13,302,000 | 18,368,000 | 22,934,000 |
| Net interest income | 41,551,000 | 84,636,000 | 126,879,000 | 166,264,000 |
| Noninterest income | 74,240,000 | 141,654,000 | 204,860,000 | 254,001,000 |
| Noninterest expense | 40,127,000 | 87,998,000 | 139,786,000 | 188,039,000 |
| Provision for loan losses | 31,525,000 | 70,241,000 | 100,950,000 | 120,206,000 |
| Pretax income | 44,139,000 | 68,051,000 | 91,003,000 | 112,067,000 |
| Income tax | -48,569,000 | -68,217,000 | -67,869,000 | -67,551,000 |
| Net income | 92,708,000 | 136,268,000 | 158,872,000 | 179,618,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 521,942,000 | 565,502,000 | 588,106,000 | 472,352,000 |
| Total capital | 562,521,000 | 600,427,000 | 620,304,000 | 502,538,000 |
| Risk-weighted assets | 2,402,092,000 | 2,201,577,000 | 2,032,274,000 | 1,899,541,000 |