Call reports 2004
ANDALUSIA COMMUNITY BANK — 2004
What ANDALUSIA COMMUNITY 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 | 22,124,000 | 21,758,000 | 22,257,000 | 23,045,000 |
| Total loans | 11,937,000 | 11,577,000 | 11,595,000 | 11,433,000 |
| Allowance for loan losses | 129,000 | 128,000 | 129,000 | 114,000 |
| Securities available for sale | 3,743,000 | 4,910,000 | 5,232,000 | 5,136,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,105,000 | 17,877,000 | 17,958,000 | 18,955,000 |
| Interest-bearing deposits | 15,561,000 | 15,293,000 | 15,726,000 | 16,294,000 |
| Noninterest-bearing deposits | 2,544,000 | 2,584,000 | 2,232,000 | 2,661,000 |
| Equity capital | 3,729,000 | 3,733,000 | 3,875,000 | 3,936,000 |
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 | 312,000 | 620,000 | 941,000 | 1,246,000 |
| Interest expense | 76,000 | 145,000 | 218,000 | 302,000 |
| Net interest income | 236,000 | 475,000 | 723,000 | 944,000 |
| Noninterest income | 52,000 | 113,000 | 175,000 | 226,000 |
| Noninterest expense | 174,000 | 350,000 | 523,000 | 690,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 118,000 | 242,000 | 379,000 | 484,000 |
| Income tax | 33,000 | 69,000 | 111,000 | 141,000 |
| Net income | 85,000 | 173,000 | 268,000 | 343,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,614,000 | 3,702,000 | 3,797,000 | 3,872,000 |
| Total capital | 3,743,000 | 3,830,000 | 3,926,000 | 3,986,000 |
| Risk-weighted assets | 12,323,000 | 12,095,000 | 12,474,000 | 12,474,000 |