Call reports 2004
THAYER COUNTY BANK — 2004
What THAYER COUNTY 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 | 55,357,000 | 54,673,000 | 55,943,000 | 55,861,000 |
| Total loans | 31,849,000 | 31,778,000 | 33,312,000 | 33,651,000 |
| Allowance for loan losses | 443,000 | 424,000 | 408,000 | 418,000 |
| Securities available for sale | 15,540,000 | 15,108,000 | 14,768,000 | 13,777,000 |
| Securities held to maturity | 841,000 | 1,336,000 | 1,291,000 | 1,822,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,469,000 | 34,898,000 | 36,018,000 | 36,000,000 |
| Interest-bearing deposits | 30,694,000 | 30,273,000 | 31,863,000 | 31,530,000 |
| Noninterest-bearing deposits | 4,775,000 | 4,625,000 | 4,155,000 | 4,470,000 |
| Equity capital | 4,141,000 | 4,037,000 | 4,187,000 | 4,204,000 |
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 | 729,000 | 1,450,000 | 2,196,000 | 2,945,000 |
| Interest expense | 330,000 | 671,000 | 1,039,000 | 1,343,000 |
| Net interest income | 399,000 | 779,000 | 1,157,000 | 1,602,000 |
| Noninterest income | 76,000 | 141,000 | 217,000 | 296,000 |
| Noninterest expense | 246,000 | 535,000 | 842,000 | 1,159,000 |
| Provision for loan losses | 1,000 | 2,000 | 4,000 | 59,000 |
| Pretax income | 228,000 | 384,000 | 536,000 | 685,000 |
| Income tax | 4,000 | 8,000 | 13,000 | 17,000 |
| Net income | 224,000 | 376,000 | 523,000 | 668,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,095,000 | 4,134,000 | 4,208,000 | 4,246,000 |
| Total capital | 4,534,000 | 4,556,000 | 4,616,000 | 4,664,000 |
| Risk-weighted assets | 36,668,000 | 33,918,000 | 35,753,000 | 37,346,000 |