Call reports 2004
SIGNATURE BANK — 2004
What SIGNATURE 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 | 13,851,000 | 14,136,000 | 14,064,000 | 12,132,000 |
| Total loans | 6,628,000 | 6,850,000 | 7,762,000 | 8,095,000 |
| Allowance for loan losses | 63,000 | 72,000 | 75,000 | 87,000 |
| Securities available for sale | 3,204,000 | 2,601,000 | 2,596,000 | 2,479,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 7,464,000 | 7,371,000 | 8,303,000 | 7,547,000 |
| Interest-bearing deposits | 4,785,000 | 4,442,000 | 4,640,000 | 4,670,000 |
| Noninterest-bearing deposits | 2,679,000 | 2,929,000 | 3,663,000 | 2,877,000 |
| Equity capital | 1,752,000 | 1,711,000 | 1,782,000 | 1,810,000 |
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 | 131,000 | 270,000 | 420,000 | 588,000 |
| Interest expense | 24,000 | 43,000 | 61,000 | 82,000 |
| Net interest income | 107,000 | 227,000 | 359,000 | 506,000 |
| Noninterest income | 15,000 | 35,000 | 55,000 | 69,000 |
| Noninterest expense | 92,000 | 184,000 | 272,000 | 368,000 |
| Provision for loan losses | 0 | 9,000 | 12,000 | 24,000 |
| Pretax income | 30,000 | 69,000 | 130,000 | 183,000 |
| Income tax | 8,000 | 20,000 | 40,000 | 57,000 |
| Net income | 22,000 | 49,000 | 90,000 | 126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,279,000 | 1,305,000 | 1,346,000 | 1,382,000 |
| Total capital | 1,342,000 | 1,377,000 | 1,421,000 | 1,469,000 |
| Risk-weighted assets | 7,630,000 | 7,930,000 | 8,628,000 | 8,524,000 |