Call reports 2005
SKY BANK — 2005
What SKY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 14,818,966,000 | 15,024,408,000 | 15,136,467,000 | 15,482,866,000 |
| Total loans | 10,690,804,000 | 10,836,315,000 | 10,935,215,000 | 11,173,406,000 |
| Allowance for loan losses | 150,122,000 | 152,543,000 | 153,351,000 | 144,461,000 |
| Securities available for sale | 2,888,521,000 | 2,889,082,000 | 2,879,479,000 | 2,921,606,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,522,246,000 | 10,668,854,000 | 10,917,108,000 | 10,827,455,000 |
| Interest-bearing deposits | 10,058,774,000 | 10,134,517,000 | 10,363,465,000 | 10,301,937,000 |
| Noninterest-bearing deposits | 463,472,000 | 534,337,000 | 553,643,000 | 525,518,000 |
| Equity capital | 1,385,948,000 | 1,481,832,000 | 1,493,691,000 | 1,520,078,000 |
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 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 191,030,000 | 391,460,000 | 601,172,000 | 823,954,000 |
| Interest expense | 63,344,000 | 133,908,000 | 211,219,000 | 299,619,000 |
| Net interest income | 127,686,000 | 257,552,000 | 389,953,000 | 524,335,000 |
| Noninterest income | 34,013,000 | 67,076,000 | 101,064,000 | 136,815,000 |
| Noninterest expense | 83,525,000 | 167,895,000 | 249,555,000 | 337,131,000 |
| Provision for loan losses | 30,481,000 | 36,358,000 | 45,163,000 | 51,970,000 |
| Pretax income | 47,816,000 | 120,953,000 | 197,019,000 | 274,301,000 |
| Income tax | 15,787,000 | 34,656,000 | 60,760,000 | 87,478,000 |
| Net income | 32,029,000 | 86,297,000 | 136,259,000 | 186,823,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,039,491,000 | 1,090,042,000 | 1,116,132,000 | 1,160,318,000 |
| Total capital | 1,255,833,000 | 1,310,827,000 | 1,339,272,000 | 1,376,814,000 |
| Risk-weighted assets | 11,573,670,000 | 11,931,108,000 | 12,121,088,000 | 12,349,417,000 |