Call reports 2004
BSB BANK & TRUST COMPANY — 2004
What BSB BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 2,218,520,000 | 2,186,049,000 |
| Total loans | 1,428,010,000 | 1,398,030,000 |
| Allowance for loan losses | 48,080,000 | 50,038,000 |
| Securities available for sale | 638,931,000 | 687,063,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 1,598,261,000 | 1,553,940,000 |
| Interest-bearing deposits | 1,426,381,000 | 1,390,438,000 |
| Noninterest-bearing deposits | 171,880,000 | 163,502,000 |
| Equity capital | 182,925,000 | 180,060,000 |
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 |
|---|---|---|
| Interest income | 27,587,000 | 54,433,000 |
| Interest expense | 9,619,000 | 19,045,000 |
| Net interest income | 17,968,000 | 35,388,000 |
| Noninterest income | 3,214,000 | 6,403,000 |
| Noninterest expense | 12,293,000 | 23,198,000 |
| Provision for loan losses | 1,620,000 | 3,240,000 |
| Pretax income | 7,303,000 | 15,387,000 |
| Income tax | 2,030,000 | 4,315,000 |
| Net income | 5,273,000 | 11,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 177,286,000 | 182,317,000 |
| Total capital | 196,234,000 | 201,016,000 |
| Risk-weighted assets | 1,486,692,000 | 1,464,616,000 |