Call reports 2005
ASSOCIATES CAPITAL BANK, INC. — 2005
What ASSOCIATES CAPITAL BANK, INC. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Total assets | 404,836,000 | 387,693,000 |
| Total loans | 363,420,000 | 296,894,000 |
| Allowance for loan losses | 16,140,000 | 16,140,000 |
| Securities available for sale | 2,852,000 | 2,546,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 269,345,000 | 241,017,000 |
| Interest-bearing deposits | 266,118,000 | 238,267,000 |
| Noninterest-bearing deposits | 3,227,000 | 2,750,000 |
| Equity capital | 116,380,000 | 123,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Interest income | 12,907,000 | 25,755,000 |
| Interest expense | 1,524,000 | 3,330,000 |
| Net interest income | 11,383,000 | 22,425,000 |
| Noninterest income | 4,535,000 | 9,075,000 |
| Noninterest expense | 2,065,000 | 4,107,000 |
| Provision for loan losses | 2,786,000 | 5,684,000 |
| Pretax income | 11,067,000 | 21,709,000 |
| Income tax | 3,876,000 | 7,637,000 |
| Net income | 7,191,000 | 14,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 |
|---|---|---|
| Tier 1 capital | 116,387,000 | 123,270,000 |
| Total capital | 120,521,000 | 127,296,000 |
| Risk-weighted assets | 318,724,000 | 309,982,000 |