Call reports 2004
ASSOCIATES CAPITAL BANK, INC. — 2004
What ASSOCIATES CAPITAL BANK, INC. 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 | 356,724,000 | 359,920,000 | 372,299,000 | 373,234,000 |
| Total loans | 350,677,000 | 333,261,000 | 353,303,000 | 349,575,000 |
| Allowance for loan losses | 16,140,000 | 16,140,000 | 16,140,000 | 16,140,000 |
| Securities available for sale | 2,523,000 | 2,255,000 | 2,292,000 | 2,372,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,681,000 | 238,432,000 | 237,372,000 | 248,876,000 |
| Interest-bearing deposits | 241,580,000 | 235,352,000 | 234,449,000 | 245,854,000 |
| Noninterest-bearing deposits | 3,101,000 | 3,080,000 | 2,923,000 | 3,022,000 |
| Equity capital | 89,489,000 | 95,869,000 | 102,343,000 | 109,227,000 |
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 | 12,765,000 | 25,006,000 | 36,347,000 | 48,467,000 |
| Interest expense | 605,000 | 1,178,000 | 1,992,000 | 3,156,000 |
| Net interest income | 12,160,000 | 23,828,000 | 34,355,000 | 45,311,000 |
| Noninterest income | 2,955,000 | 5,949,000 | 10,064,000 | 14,579,000 |
| Noninterest expense | 2,187,000 | 4,218,000 | 6,243,000 | 8,222,000 |
| Provision for loan losses | 3,683,000 | 6,428,000 | 9,030,000 | 11,861,000 |
| Pretax income | 9,245,000 | 19,131,000 | 29,146,000 | 39,807,000 |
| Income tax | 3,277,000 | 6,778,000 | 10,325,000 | 14,099,000 |
| Net income | 5,968,000 | 12,353,000 | 18,821,000 | 25,708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 89,450,000 | 95,837,000 | 102,307,000 | 109,195,000 |
| Total capital | 93,533,000 | 99,848,000 | 106,391,000 | 113,265,000 |
| Risk-weighted assets | 314,612,000 | 308,746,000 | 314,700,000 | 313,503,000 |