Call reports 2004
TRUBANK — 2004
What TRUBANK 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 | 71,421,000 | 69,327,000 | 69,242,000 | 70,926,000 |
| Total loans | 41,988,000 | 41,970,000 | 44,453,000 | 46,990,000 |
| Allowance for loan losses | 574,000 | 593,000 | 594,000 | 604,000 |
| Securities available for sale | 20,522,000 | 20,615,000 | 21,244,000 | 19,320,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,640,000 | 58,153,000 | 55,475,000 | 57,772,000 |
| Interest-bearing deposits | 48,402,000 | 49,943,000 | 47,819,000 | 48,488,000 |
| Noninterest-bearing deposits | 8,238,000 | 8,210,000 | 7,656,000 | 9,284,000 |
| Equity capital | 5,584,000 | 5,499,000 | 5,758,000 | 5,849,000 |
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 | 887,000 | 1,809,000 | 2,729,000 | 3,707,000 |
| Interest expense | 247,000 | 489,000 | 738,000 | 993,000 |
| Net interest income | 640,000 | 1,320,000 | 1,991,000 | 2,714,000 |
| Noninterest income | 115,000 | 249,000 | 394,000 | 519,000 |
| Noninterest expense | 502,000 | 1,074,000 | 1,634,000 | 2,237,000 |
| Provision for loan losses | 18,000 | 36,000 | 54,000 | 72,000 |
| Pretax income | 235,000 | 459,000 | 697,000 | 924,000 |
| Income tax | 80,000 | 153,000 | 234,000 | 312,000 |
| Net income | 155,000 | 306,000 | 463,000 | 612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,383,000 | 5,535,000 | 5,692,000 | 5,844,000 |
| Total capital | 5,929,000 | 6,085,000 | 6,264,000 | 6,442,000 |
| Risk-weighted assets | 43,721,000 | 43,937,000 | 45,749,000 | 47,802,000 |