Call reports 2004
TERRABANK, NATIONAL ASSOCIATION — 2004
What TERRABANK, NATIONAL ASSOCIATION 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 | 341,418,000 | 341,589,000 | 340,182,000 | 337,253,000 |
| Total loans | 239,957,000 | 248,367,000 | 239,302,000 | 231,934,000 |
| Allowance for loan losses | 3,014,000 | 3,125,000 | 3,119,000 | 2,894,000 |
| Securities available for sale | 58,695,000 | 63,727,000 | 60,860,000 | 53,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 292,125,000 | 296,762,000 | 287,567,000 | 303,486,000 |
| Interest-bearing deposits | 234,627,000 | 235,543,000 | 225,456,000 | 248,370,000 |
| Noninterest-bearing deposits | 57,498,000 | 61,219,000 | 62,111,000 | 55,116,000 |
| Equity capital | 25,753,000 | 26,084,000 | 27,424,000 | 28,214,000 |
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 | 4,153,000 | 8,683,000 | 13,141,000 | 17,603,000 |
| Interest expense | 981,000 | 2,058,000 | 3,197,000 | 4,509,000 |
| Net interest income | 3,172,000 | 6,625,000 | 9,944,000 | 13,094,000 |
| Noninterest income | 760,000 | 1,540,000 | 2,279,000 | 3,029,000 |
| Noninterest expense | 2,272,000 | 4,585,000 | 6,940,000 | 9,389,000 |
| Provision for loan losses | 75,000 | 310,000 | 310,000 | 185,000 |
| Pretax income | 1,585,000 | 3,271,000 | 4,972,000 | 6,548,000 |
| Income tax | 586,000 | 1,249,000 | 1,974,000 | 2,540,000 |
| Net income | 999,000 | 2,022,000 | 2,998,000 | 4,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,403,000 | 26,426,000 | 27,402,000 | 28,412,000 |
| Total capital | 28,275,000 | 29,380,000 | 30,279,000 | 31,214,000 |
| Risk-weighted assets | 229,553,000 | 236,121,000 | 229,858,000 | 224,041,000 |