Call reports 2004
INTERCHANGE BANK — 2004
What INTERCHANGE 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 | 1,380,601,000 | 1,404,769,000 | 1,461,352,000 | 1,464,745,000 |
| Total loans | 831,286,000 | 884,266,000 | 927,154,000 | 934,181,000 |
| Allowance for loan losses | 9,635,000 | 9,788,000 | 9,797,000 | 9,797,000 |
| Securities available for sale | 365,687,000 | 354,680,000 | 351,391,000 | 369,941,000 |
| Securities held to maturity | 17,916,000 | 20,569,000 | 16,692,000 | 14,530,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,167,017,000 | 1,187,084,000 | 1,246,349,000 | 1,247,769,000 |
| Interest-bearing deposits | 937,579,000 | 948,521,000 | 1,015,116,000 | 1,011,102,000 |
| Noninterest-bearing deposits | 229,438,000 | 238,563,000 | 231,233,000 | 236,667,000 |
| Equity capital | 144,359,000 | 144,441,000 | 147,250,000 | 149,422,000 |
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 | 15,671,000 | 31,673,000 | 48,557,000 | 66,112,000 |
| Interest expense | 3,137,000 | 6,199,000 | 9,615,000 | 13,654,000 |
| Net interest income | 12,534,000 | 25,474,000 | 38,942,000 | 52,458,000 |
| Noninterest income | 2,001,000 | 4,388,000 | 7,104,000 | 10,015,000 |
| Noninterest expense | 8,839,000 | 17,550,000 | 26,740,000 | 35,706,000 |
| Provision for loan losses | 375,000 | 675,000 | 975,000 | 1,200,000 |
| Pretax income | 5,835,000 | 12,456,000 | 19,313,000 | 26,707,000 |
| Income tax | 1,771,000 | 3,946,000 | 6,055,000 | 8,481,000 |
| Net income | 4,064,000 | 8,510,000 | 13,258,000 | 18,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 81,636,000 | 85,146,000 | 88,131,000 | 91,605,000 |
| Total capital | 91,411,000 | 95,074,000 | 98,068,000 | 101,442,000 |
| Risk-weighted assets | 896,001,000 | 937,165,000 | 977,967,000 | 987,592,000 |