Call reports 2004
SKY BANK — 2004
What SKY 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 | 11,889,016,000 | 12,049,093,000 | 14,446,800,000 | 14,761,331,000 |
| Total loans | 8,606,563,000 | 8,804,354,000 | 10,292,497,000 | 10,625,452,000 |
| Allowance for loan losses | 124,046,000 | 124,789,000 | 147,479,000 | 151,389,000 |
| Securities available for sale | 2,474,175,000 | 2,401,076,000 | 2,941,110,000 | 2,911,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,909,639,000 | 8,906,000,000 | 10,231,510,000 | 10,468,210,000 |
| Interest-bearing deposits | 8,538,927,000 | 8,506,724,000 | 9,772,968,000 | 10,001,183,000 |
| Noninterest-bearing deposits | 370,712,000 | 399,276,000 | 458,542,000 | 467,027,000 |
| Equity capital | 972,945,000 | 934,562,000 | 1,347,277,000 | 1,412,355,000 |
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 | 147,570,000 | 294,694,000 | 472,600,000 | 657,814,000 |
| Interest expense | 43,410,000 | 85,389,000 | 137,793,000 | 195,615,000 |
| Net interest income | 104,160,000 | 209,305,000 | 334,807,000 | 462,199,000 |
| Noninterest income | 28,403,000 | 61,519,000 | 97,606,000 | 131,936,000 |
| Noninterest expense | 70,090,000 | 140,883,000 | 226,747,000 | 310,324,000 |
| Provision for loan losses | 6,470,000 | 17,510,000 | 25,810,000 | 37,425,000 |
| Pretax income | 57,154,000 | 115,483,000 | 184,337,000 | 252,164,000 |
| Income tax | 19,385,000 | 39,138,000 | 62,187,000 | 85,043,000 |
| Net income | 37,769,000 | 76,345,000 | 122,150,000 | 167,121,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 842,173,000 | 860,875,000 | 986,735,000 | 1,027,821,000 |
| Total capital | 1,031,957,000 | 1,053,322,000 | 1,197,842,000 | 1,247,834,000 |
| Risk-weighted assets | 9,100,906,000 | 9,328,417,000 | 10,790,726,000 | 11,518,567,000 |