Call reports 2004
HORRY COUNTY STATE BANK — 2004
What HORRY COUNTY STATE 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 | 279,051,000 | 282,559,000 | 290,568,000 | 295,683,000 |
| Total loans | 202,255,000 | 220,973,000 | 219,106,000 | 212,808,000 |
| Allowance for loan losses | 1,912,000 | 1,997,000 | 2,108,000 | 2,155,000 |
| Securities available for sale | 34,218,000 | 31,596,000 | 28,377,000 | 42,597,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,675,000 | 223,174,000 | 230,659,000 | 222,636,000 |
| Interest-bearing deposits | 194,373,000 | 191,632,000 | 196,687,000 | 194,522,000 |
| Noninterest-bearing deposits | 25,302,000 | 31,542,000 | 33,972,000 | 28,114,000 |
| Equity capital | 20,746,000 | 20,561,000 | 21,505,000 | 27,985,000 |
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 | 3,787,000 | 7,402,000 | 11,282,000 | 15,355,000 |
| Interest expense | 1,230,000 | 2,393,000 | 3,604,000 | 4,927,000 |
| Net interest income | 2,557,000 | 5,009,000 | 7,678,000 | 10,428,000 |
| Noninterest income | 455,000 | 939,000 | 1,368,000 | 1,833,000 |
| Noninterest expense | 1,966,000 | 3,950,000 | 5,917,000 | 7,861,000 |
| Provision for loan losses | 250,000 | 620,000 | 1,000,000 | 1,285,000 |
| Pretax income | 899,000 | 1,481,000 | 2,228,000 | 3,214,000 |
| Income tax | 312,000 | 514,000 | 773,000 | 1,115,000 |
| Net income | 587,000 | 967,000 | 1,455,000 | 2,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,589,000 | 20,969,000 | 21,483,000 | 28,003,000 |
| Total capital | 22,501,000 | 22,966,000 | 23,591,000 | 30,158,000 |
| Risk-weighted assets | 211,453,000 | 227,870,000 | 228,152,000 | 225,480,000 |
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