Call reports 2004
COSMOPOLITAN BANK AND TRUST — 2004
What COSMOPOLITAN BANK AND TRUST 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 | 371,782,000 | 372,410,000 | 375,049,000 | 397,767,000 |
| Total loans | 307,822,000 | 299,390,000 | 305,479,000 | 311,747,000 |
| Allowance for loan losses | 3,300,000 | 3,254,000 | 3,249,000 | 3,249,000 |
| Securities available for sale | 34,883,000 | 30,836,000 | 34,044,000 | 54,563,000 |
| Securities held to maturity | 3,168,000 | 3,171,000 | 3,174,000 | 8,043,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,415,000 | 327,415,000 | 326,658,000 | 332,432,000 |
| Interest-bearing deposits | 286,590,000 | 285,547,000 | 284,335,000 | 290,701,000 |
| Noninterest-bearing deposits | 39,825,000 | 41,868,000 | 42,323,000 | 41,731,000 |
| Equity capital | 41,821,000 | 43,060,000 | 45,695,000 | 47,386,000 |
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 | 6,074,000 | 12,048,000 | 18,418,000 | 24,560,000 |
| Interest expense | 1,198,000 | 2,385,000 | 3,703,000 | 5,188,000 |
| Net interest income | 4,876,000 | 9,663,000 | 14,715,000 | 19,372,000 |
| Noninterest income | 736,000 | 1,507,000 | 2,658,000 | 3,511,000 |
| Noninterest expense | 2,368,000 | 4,887,000 | 7,264,000 | 9,733,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 3,244,000 | 6,283,000 | 10,109,000 | 13,150,000 |
| Income tax | 1,270,000 | 2,458,000 | 3,984,000 | 5,037,000 |
| Net income | 1,974,000 | 3,825,000 | 6,125,000 | 8,113,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,481,000 | 42,352,000 | 44,673,000 | 46,681,000 |
| Total capital | 43,781,000 | 45,606,000 | 47,922,000 | 49,930,000 |
| Risk-weighted assets | 368,312,000 | 358,092,000 | 369,622,000 | 409,074,000 |