Call reports 2004
FIRST MARINER BANK — 2004
What FIRST MARINER 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 | 1,060,095,000 | 1,108,627,000 | 1,155,547,000 | 1,199,897,000 |
| Total loans | 654,621,000 | 651,310,000 | 701,693,000 | 782,188,000 |
| Allowance for loan losses | 7,608,000 | 7,678,000 | 7,787,000 | 7,901,000 |
| Securities available for sale | 301,345,000 | 335,193,000 | 333,492,000 | 321,435,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 825,914,000 | 829,251,000 | 827,631,000 | 842,916,000 |
| Interest-bearing deposits | 669,689,000 | 681,267,000 | 675,067,000 | 681,403,000 |
| Noninterest-bearing deposits | 156,225,000 | 147,984,000 | 152,564,000 | 161,513,000 |
| Equity capital | 73,136,000 | 69,425,000 | 74,038,000 | 75,437,000 |
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 | 13,449,000 | 27,331,000 | 42,024,000 | 57,275,000 |
| Interest expense | 4,635,000 | 9,445,000 | 14,519,000 | 19,944,000 |
| Net interest income | 8,814,000 | 17,886,000 | 27,505,000 | 37,331,000 |
| Noninterest income | 4,041,000 | 8,201,000 | 12,317,000 | 16,746,000 |
| Noninterest expense | 11,218,000 | 22,353,000 | 33,683,000 | 45,097,000 |
| Provision for loan losses | 50,000 | 150,000 | 400,000 | 725,000 |
| Pretax income | 1,927,000 | 3,924,000 | 6,179,000 | 8,695,000 |
| Income tax | 544,000 | 1,103,000 | 1,767,000 | 2,469,000 |
| Net income | 1,383,000 | 2,821,000 | 4,412,000 | 6,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 70,969,000 | 72,407,000 | 73,998,000 | 75,813,000 |
| Total capital | 83,577,000 | 85,084,000 | 86,785,000 | 88,714,000 |
| Risk-weighted assets | 749,985,000 | 768,894,000 | 813,702,000 | 873,829,000 |