Call reports 2004
COPPERMARK BANK — 2004
What COPPERMARK BANK 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 | 660,884,000 | 682,552,000 | 694,371,000 | 719,858,000 |
| Total loans | 574,110,000 | 587,589,000 | 599,968,000 | 614,512,000 |
| Allowance for loan losses | 7,327,000 | 7,522,000 | 7,661,000 | 7,934,000 |
| Securities available for sale | 16,376,000 | 14,116,000 | 13,028,000 | 11,952,000 |
| Securities held to maturity | 1,700,000 | 791,000 | 1,259,000 | 1,248,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 569,284,000 | 600,262,000 | 611,450,000 | 632,481,000 |
| Interest-bearing deposits | 429,461,000 | 447,983,000 | 458,622,000 | 472,573,000 |
| Noninterest-bearing deposits | 139,823,000 | 152,279,000 | 152,828,000 | 159,908,000 |
| Equity capital | 58,354,000 | 58,761,000 | 59,400,000 | 60,472,000 |
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 | 9,374,000 | 18,589,000 | 28,139,000 | 38,376,000 |
| Interest expense | 2,197,000 | 4,411,000 | 6,587,000 | 9,095,000 |
| Net interest income | 7,177,000 | 14,178,000 | 21,552,000 | 29,281,000 |
| Noninterest income | 3,713,000 | 7,572,000 | 11,344,000 | 14,671,000 |
| Noninterest expense | 7,077,000 | 14,042,000 | 21,175,000 | 27,868,000 |
| Provision for loan losses | 750,000 | 1,300,000 | 1,860,000 | 2,450,000 |
| Pretax income | 3,063,000 | 6,408,000 | 9,861,000 | 13,634,000 |
| Income tax | 1,057,000 | 2,327,000 | 3,662,000 | 5,062,000 |
| Net income | 2,006,000 | 4,081,000 | 6,199,000 | 8,572,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 58,188,000 | 58,863,000 | 59,396,000 | 60,494,000 |
| Total capital | 65,515,000 | 66,385,000 | 67,057,000 | 68,428,000 |
| Risk-weighted assets | 617,477,000 | 636,681,000 | 651,726,000 | 667,712,000 |