Call reports 2004
AFFINITY BANK — 2004
What AFFINITY 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 | 861,022,000 | 880,033,000 | 868,847,000 | 1,006,773,000 |
| Total loans | 692,839,000 | 708,677,000 | 695,242,000 | 807,476,000 |
| Allowance for loan losses | 8,289,000 | 8,347,000 | 8,367,000 | 9,137,000 |
| Securities available for sale | 131,845,000 | 135,147,000 | 135,281,000 | 154,186,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 591,588,000 | 595,395,000 | 603,121,000 | 629,718,000 |
| Interest-bearing deposits | 581,005,000 | 589,517,000 | 599,617,000 | 623,212,000 |
| Noninterest-bearing deposits | 10,583,000 | 5,878,000 | 3,504,000 | 6,506,000 |
| Equity capital | 71,345,000 | 78,318,000 | 83,672,000 | 81,852,000 |
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 | 13,411,000 | 29,102,000 | 43,728,000 | 58,266,000 |
| Interest expense | 5,041,000 | 9,892,000 | 15,062,000 | 20,313,000 |
| Net interest income | 8,370,000 | 19,210,000 | 28,666,000 | 37,953,000 |
| Noninterest income | 1,614,000 | 2,615,000 | 3,518,000 | 4,399,000 |
| Noninterest expense | 4,586,000 | 9,696,000 | 14,875,000 | 20,587,000 |
| Provision for loan losses | -178,000 | -72,000 | -34,000 | 1,758,000 |
| Pretax income | 7,227,000 | 14,583,000 | 20,405,000 | 23,206,000 |
| Income tax | 246,000 | 504,000 | 707,000 | 806,000 |
| Net income | 6,817,000 | 13,888,000 | 19,408,000 | 22,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,964,000 | 73,727,000 | 79,318,000 | 77,579,000 |
| Total capital | 76,430,000 | 82,347,000 | 87,627,000 | 87,122,000 |
| Risk-weighted assets | 677,060,000 | 689,490,000 | 664,269,000 | 794,252,000 |