Terme Bancorp, Inc. (TMEB)

Terme Bancorp Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2004	FY 2003	FY 2002	FY 2001	FY 2000
Period Ending	Dec 31, 2004	Dec 31, 2003	Dec 31, 2002	Dec 31, 2001	Dec 31, 2000
Cash & Equivalents	6.65	9.65	71.9	37.65	94.02
Investment Securities	12.76	44.45	35.77	79.48	46.6
Trading Asset Securities	-	-	-	6.05	1.1
Mortgage-Backed Securities	5.92	65.32	71.04	49.24	2.89
Total Investments	18.68	109.77	106.81	134.77	50.58
Gross Loans	41.68	80.43	102.09	254.16	250.94
Allowance for Loan Losses	-1.61	-2.92	-4.15	-2.98	-2.44
Other Adjustments to Gross Loans	-0.23	-1.26	-1.92	-0.83	-0.88
Net Loans	39.83	76.25	96.02	250.35	247.62
Property, Plant & Equipment	0.49	0.91	13.48	20.61	9.82
Loans Held for Sale	1.76	0.14	20.43	65.06	38.9
Accrued Interest Receivable	0.53	1.75	1.86	5.27	3.99
Other Receivables	0.79	1.05	2.48	4.48	3.16
Other Current Assets	5.92	5.51	10.57	10.53	7.71
Long-Term Deferred Tax Assets	-	-	9.68	2.21	-
Other Real Estate Owned & Foreclosed	3.38	4.07	2.36	0.73	2.5
Other Long-Term Assets	0.17	9.93	5.4	0.34	0.4
Total Assets	79.13	222.53	343.94	536.64	463.09
Interest Bearing Deposits	47.49	161.08	236.61	373.47	296.89
Institutional Deposits	2.89	7.9	39.6	80.8	81.9
Non-Interest Bearing Deposits	0.48	2.37	5.84	3.88	9.74
Total Deposits	50.85	171.35	282.05	458.15	388.54
Short-Term Borrowings	0.09	-	0.3	4.08	5.88
Current Portion of Long-Term Debt	-	-	9.01	-	0.07
Accrued Interest Payable	1.62	0.91	1.23	1.71	2.16
Long-Term Debt	3	3	3	11.5	-
Federal Home Loan Bank Debt, Long-Term	10	24.9	10	12.76	12.76
Trust Preferred Securities	17.24	17.24	17.12	16.6	16.59
Other Long-Term Liabilities	8.21	7.04	13.05	14.26	13.33
Total Liabilities	91.02	224.44	335.76	519.06	439.32
Preferred Stock, Convertible	9.89	8.83	1.92	0	0
Common Stock	0.03	0.02	0.02	0.02	0.02
Additional Paid-In Capital	7.02	10.12	9.28	9.21	8.89
Retained Earnings	-28.56	-16.1	2.62	15.18	16.19
Treasury Stock	-	-3.92	-5.26	-5.12	-
Comprehensive Income & Other	-0.27	-0.86	-0.41	-1.72	-1.33
Total Common Equity	-21.78	-10.74	6.26	17.57	23.77
Shareholders' Equity	-11.89	-1.91	8.18	17.58	23.77
Total Liabilities & Equity	79.13	222.53	343.94	536.64	463.09
Total Debt	30.34	45.14	39.43	44.95	35.3
Net Cash (Debt)	-23.69	-35.49	32.47	-1.24	59.82
Net Cash Per Share	-8.34	-18.26	18.93	-0.72	27.63
Filing Date Shares Outstanding	2.84	1.94	1.72	1.71	2.02
Total Common Shares Outstanding	2.84	1.94	1.72	1.71	2.02
Book Value Per Share	-7.67	-5.53	3.63	10.30	11.75
Tangible Book Value	-21.78	-10.74	6.26	17.57	23.77
Tangible Book Value Per Share	-7.67	-5.53	3.63	10.30	11.75

Source: S&P Global Market Intelligence. Banks template. Financial Sources.