Call reports 2004
FIRST SIGNATURE BANK AND TRUST COMPANY — 2004
What FIRST SIGNATURE BANK AND TRUST COMPANY 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 | 442,822,000 | 478,373,000 | 514,282,000 | 568,288,000 |
| Total loans | 13,686,000 | 12,827,000 | 12,545,000 | 12,334,000 |
| Allowance for loan losses | 114,000 | 111,000 | 105,000 | 101,000 |
| Securities available for sale | 368,316,000 | 417,651,000 | 461,350,000 | 478,341,000 |
| Securities held to maturity | 5,359,000 | 5,907,000 | 5,577,000 | 5,306,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 361,753,000 | 382,020,000 | 426,915,000 | 467,464,000 |
| Interest-bearing deposits | 354,248,000 | 373,795,000 | 421,801,000 | 458,725,000 |
| Noninterest-bearing deposits | 7,505,000 | 8,225,000 | 5,114,000 | 8,739,000 |
| Equity capital | 34,109,000 | 34,116,000 | 34,164,000 | 34,419,000 |
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 | 2,086,000 | 4,582,000 | 7,798,000 | 12,067,000 |
| Interest expense | 1,075,000 | 2,348,000 | 4,095,000 | 6,649,000 |
| Net interest income | 1,011,000 | 2,234,000 | 3,703,000 | 5,418,000 |
| Noninterest income | 187,000 | 593,000 | 542,000 | 773,000 |
| Noninterest expense | 1,318,000 | 2,223,000 | 3,198,000 | 4,230,000 |
| Provision for loan losses | 11,000 | 29,000 | 58,000 | 73,000 |
| Pretax income | -131,000 | 594,000 | 1,007,000 | 1,906,000 |
| Income tax | -65,000 | 219,000 | 381,000 | 740,000 |
| Net income | -66,000 | 375,000 | 626,000 | 1,166,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,889,000 | 33,809,000 | 33,732,000 | 33,945,000 |
| Total capital | 33,003,000 | 33,920,000 | 33,837,000 | 34,046,000 |
| Risk-weighted assets | 168,108,000 | 187,924,000 | 217,422,000 | 288,352,000 |