Call reports 2004
BANK OF HOLLY SPRINGS, THE — 2004
What BANK OF HOLLY SPRINGS, THE 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 | 132,871,000 | 133,728,000 | 135,981,000 | 135,210,000 |
| Total loans | 92,163,000 | 93,523,000 | 93,677,000 | 93,851,000 |
| Allowance for loan losses | 1,198,000 | 1,250,000 | 1,258,000 | 1,456,000 |
| Securities available for sale | 7,296,000 | 8,959,000 | 11,512,000 | 8,819,000 |
| Securities held to maturity | 12,379,000 | 13,350,000 | 12,993,000 | 13,465,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,053,000 | 113,723,000 | 115,089,000 | 114,727,000 |
| Interest-bearing deposits | 99,746,000 | 100,476,000 | 101,633,000 | 100,798,000 |
| Noninterest-bearing deposits | 13,307,000 | 13,247,000 | 13,456,000 | 13,929,000 |
| Equity capital | 17,363,000 | 17,761,000 | 18,499,000 | 18,179,000 |
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 | 2,246,000 | 4,497,000 | 6,791,000 | 9,110,000 |
| Interest expense | 568,000 | 1,116,000 | 1,603,000 | 2,082,000 |
| Net interest income | 1,678,000 | 3,381,000 | 5,188,000 | 7,028,000 |
| Noninterest income | 267,000 | 565,000 | 846,000 | 1,187,000 |
| Noninterest expense | 1,158,000 | 2,278,000 | 3,363,000 | 4,715,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 430,000 |
| Pretax income | 757,000 | 1,608,000 | 2,581,000 | 3,070,000 |
| Income tax | 255,000 | 556,000 | 917,000 | 1,043,000 |
| Net income | 502,000 | 1,052,000 | 1,664,000 | 2,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,282,000 | 17,832,000 | 18,444,000 | 18,177,000 |
| Total capital | 18,415,000 | 18,979,000 | 19,594,000 | 19,333,000 |
| Risk-weighted assets | 90,556,000 | 91,665,000 | 91,901,000 | 92,193,000 |