Call reports 2004
CORTRUST BANK NATIONAL ASSOCIATION — 2004
What CORTRUST BANK NATIONAL ASSOCIATION 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 | 369,501,000 | 376,607,000 | 375,845,000 | 375,331,000 |
| Total loans | 242,528,000 | 258,539,000 | 260,016,000 | 261,839,000 |
| Allowance for loan losses | 7,951,000 | 8,012,000 | 7,456,000 | 7,433,000 |
| Securities available for sale | 87,746,000 | 91,563,000 | 89,032,000 | 83,830,000 |
| Securities held to maturity | 792,000 | 783,000 | 738,000 | 735,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,566,000 | 314,140,000 | 308,253,000 | 315,427,000 |
| Interest-bearing deposits | 252,846,000 | 256,802,000 | 258,178,000 | 259,879,000 |
| Noninterest-bearing deposits | 57,720,000 | 57,338,000 | 50,075,000 | 55,548,000 |
| Equity capital | 34,240,000 | 32,107,000 | 34,885,000 | 34,730,000 |
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 | 7,379,000 | 13,989,000 | 20,391,000 | 27,032,000 |
| Interest expense | 1,476,000 | 2,923,000 | 4,407,000 | 5,926,000 |
| Net interest income | 5,903,000 | 11,066,000 | 15,984,000 | 21,106,000 |
| Noninterest income | 2,977,000 | 6,250,000 | 9,292,000 | 12,431,000 |
| Noninterest expense | 4,699,000 | 9,960,000 | 14,703,000 | 19,518,000 |
| Provision for loan losses | 2,509,000 | 4,763,000 | 6,465,000 | 8,429,000 |
| Pretax income | 1,678,000 | 2,599,000 | 4,187,000 | 5,669,000 |
| Income tax | 564,000 | 825,000 | 1,244,000 | 1,657,000 |
| Net income | 1,114,000 | 1,774,000 | 2,943,000 | 4,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,064,000 | 31,807,000 | 32,977,000 | 33,133,000 |
| Total capital | 35,302,000 | 35,237,000 | 36,439,000 | 36,625,000 |
| Risk-weighted assets | 254,327,000 | 269,795,000 | 272,934,000 | 275,409,000 |