Call reports 2004
WHITAKER BANK, INC — 2004
What WHITAKER BANK, INC 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 | 691,990,000 | 939,837,000 | 1,112,432,000 | 1,101,493,000 |
| Total loans | 532,462,000 | 668,393,000 | 782,762,000 | 790,182,000 |
| Allowance for loan losses | 10,995,000 | 14,164,000 | 16,765,000 | 16,621,000 |
| Securities available for sale | 69,897,000 | 205,453,000 | 246,271,000 | 222,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 566,174,000 | 771,976,000 | 888,307,000 | 892,492,000 |
| Interest-bearing deposits | 489,205,000 | 669,996,000 | 769,283,000 | 771,559,000 |
| Noninterest-bearing deposits | 76,969,000 | 101,980,000 | 119,024,000 | 120,933,000 |
| Equity capital | 60,963,000 | 79,554,000 | 103,386,000 | 104,832,000 |
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 | 8,579,000 | 24,650,000 | 44,335,000 | 59,930,000 |
| Interest expense | 2,661,000 | 7,634,000 | 13,647,000 | 18,421,000 |
| Net interest income | 5,918,000 | 17,016,000 | 30,688,000 | 41,509,000 |
| Noninterest income | 913,000 | 2,665,000 | 5,243,000 | 6,945,000 |
| Noninterest expense | 4,189,000 | 13,188,000 | 24,082,000 | 33,105,000 |
| Provision for loan losses | 168,000 | 748,000 | 1,527,000 | 1,933,000 |
| Pretax income | 2,481,000 | 5,803,000 | 10,426,000 | 13,685,000 |
| Income tax | 763,000 | 1,581,000 | 2,844,000 | 3,709,000 |
| Net income | 1,718,000 | 4,222,000 | 7,582,000 | 9,976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,312,000 | 65,237,000 | 80,840,000 | 83,414,000 |
| Total capital | 50,693,000 | 73,558,000 | 90,420,000 | 92,962,000 |
| Risk-weighted assets | 505,834,000 | 659,870,000 | 759,223,000 | 756,597,000 |