Call reports 2004
TRUSTBANC — 2004
What TRUSTBANC 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 | 109,230,000 | 113,198,000 | 114,512,000 | 115,846,000 |
| Total loans | 71,247,000 | 72,498,000 | 72,582,000 | 71,884,000 |
| Allowance for loan losses | 590,000 | 594,000 | 624,000 | 665,000 |
| Securities available for sale | 1,121,000 | 1,066,000 | 1,065,000 | 1,042,000 |
| Securities held to maturity | 24,873,000 | 24,589,000 | 24,776,000 | 24,665,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,570,000 | 83,483,000 | 89,362,000 | 89,917,000 |
| Interest-bearing deposits | 78,626,000 | 80,111,000 | 85,572,000 | 85,407,000 |
| Noninterest-bearing deposits | 3,944,000 | 3,372,000 | 3,790,000 | 4,510,000 |
| Equity capital | 9,649,000 | 9,402,000 | 9,651,000 | 9,877,000 |
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 | 1,381,000 | 2,811,000 | 4,255,000 | 5,725,000 |
| Interest expense | 562,000 | 1,145,000 | 1,755,000 | 2,386,000 |
| Net interest income | 819,000 | 1,666,000 | 2,500,000 | 3,339,000 |
| Noninterest income | 97,000 | 247,000 | 389,000 | 506,000 |
| Noninterest expense | 555,000 | 1,151,000 | 1,740,000 | 2,319,000 |
| Provision for loan losses | 30,000 | 30,000 | 60,000 | 100,000 |
| Pretax income | 331,000 | 732,000 | 1,089,000 | 1,426,000 |
| Income tax | 118,000 | 251,000 | 366,000 | 476,000 |
| Net income | 213,000 | 481,000 | 723,000 | 950,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,626,000 | 9,390,000 | 9,631,000 | 9,858,000 |
| Total capital | 10,216,000 | 9,984,000 | 10,255,000 | 10,523,000 |
| Risk-weighted assets | 72,567,000 | 75,141,000 | 75,996,000 | 74,720,000 |