Call reports 2004
CATHAY BANK — 2004
What CATHAY 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 | 5,679,222,000 | 5,762,414,000 | 5,885,724,000 | 6,089,372,000 |
| Total loans | 3,412,184,000 | 3,522,613,000 | 3,628,345,000 | 3,820,345,000 |
| Allowance for loan losses | 62,818,000 | 62,440,000 | 62,093,000 | 58,832,000 |
| Securities available for sale | 1,753,904,000 | 1,713,381,000 | 1,761,204,000 | 1,782,830,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 4,381,589,000 | 4,517,120,000 | 4,548,173,000 | 4,619,825,000 |
| Interest-bearing deposits | 3,736,412,000 | 3,808,323,000 | 3,880,425,000 | 3,920,346,000 |
| Noninterest-bearing deposits | 645,177,000 | 708,797,000 | 667,748,000 | 699,479,000 |
| Equity capital | 680,809,000 | 676,400,000 | 712,619,000 | 732,446,000 |
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 | 63,906,000 | 129,571,000 | 199,290,000 | 274,221,000 |
| Interest expense | 12,475,000 | 25,646,000 | 40,018,000 | 57,694,000 |
| Net interest income | 51,431,000 | 103,925,000 | 159,272,000 | 216,527,000 |
| Noninterest income | 4,396,000 | 9,785,000 | 14,895,000 | 20,560,000 |
| Noninterest expense | 21,611,000 | 44,674,000 | 66,912,000 | 89,759,000 |
| Provision for loan losses | 1,264,000 | 681,000 | 300,000 | 200,000 |
| Pretax income | 32,984,000 | 69,875,000 | 108,494,000 | 143,766,000 |
| Income tax | 12,495,000 | 26,404,000 | 41,748,000 | 55,027,000 |
| Net income | 20,489,000 | 43,471,000 | 66,746,000 | 88,739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 397,248,000 | 421,192,000 | 444,556,000 | 469,086,000 |
| Total capital | 447,414,000 | 474,510,000 | 500,025,000 | 527,553,000 |
| Risk-weighted assets | 3,997,625,000 | 4,252,934,000 | 4,426,965,000 | 4,672,952,000 |