Call reports 2004
EMPRISE BANK — 2004
What EMPRISE 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 | 526,842,000 | 534,817,000 | 635,639,000 | 646,500,000 |
| Total loans | 402,768,000 | 409,504,000 | 456,584,000 | 449,344,000 |
| Allowance for loan losses | 6,369,000 | 6,340,000 | 6,963,000 | 7,098,000 |
| Securities available for sale | 69,451,000 | 67,633,000 | 111,872,000 | 136,747,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 478,399,000 | 488,994,000 | 580,433,000 | 586,149,000 |
| Interest-bearing deposits | 379,325,000 | 395,576,000 | 464,439,000 | 469,419,000 |
| Noninterest-bearing deposits | 99,074,000 | 93,418,000 | 115,994,000 | 116,730,000 |
| Equity capital | 44,044,000 | 43,133,000 | 52,059,000 | 52,328,000 |
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 | 5,770,000 | 11,615,000 | 20,518,000 | 27,858,000 |
| Interest expense | 1,191,000 | 2,392,000 | 4,307,000 | 5,836,000 |
| Net interest income | 4,579,000 | 9,223,000 | 16,211,000 | 22,022,000 |
| Noninterest income | 2,327,000 | 4,503,000 | 7,194,000 | 9,444,000 |
| Noninterest expense | 4,999,000 | 10,085,000 | 17,201,000 | 22,817,000 |
| Provision for loan losses | 180,000 | 360,000 | 540,000 | 720,000 |
| Pretax income | 1,727,000 | 3,281,000 | 5,656,000 | 7,921,000 |
| Income tax | 70,000 | 133,000 | 230,000 | 328,000 |
| Net income | 1,657,000 | 3,148,000 | 5,426,000 | 7,593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,760,000 | 39,790,000 | 48,126,000 | 49,040,000 |
| Total capital | 45,264,000 | 45,297,000 | 54,285,000 | 55,220,000 |
| Risk-weighted assets | 439,438,000 | 439,741,000 | 491,899,000 | 493,477,000 |