Call reports 2004
SEVIER COUNTY BANK — 2004
What SEVIER 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 | 294,654,000 | 297,209,000 | 306,062,000 | 316,107,000 |
| Total loans | 155,943,000 | 151,085,000 | 153,856,000 | 156,520,000 |
| Allowance for loan losses | 2,566,000 | 2,652,000 | 2,651,000 | 2,646,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 89,011,000 | 98,562,000 | 105,055,000 | 113,453,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 257,636,000 | 259,781,000 | 267,805,000 | 277,575,000 |
| Interest-bearing deposits | 233,381,000 | 232,712,000 | 240,222,000 | 244,912,000 |
| Noninterest-bearing deposits | 24,255,000 | 27,069,000 | 27,583,000 | 32,663,000 |
| Equity capital | 36,149,000 | 36,804,000 | 37,489,000 | 37,973,000 |
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 | 3,276,000 | 6,452,000 | 9,672,000 | 13,120,000 |
| Interest expense | 950,000 | 1,896,000 | 2,907,000 | 4,043,000 |
| Net interest income | 2,326,000 | 4,556,000 | 6,765,000 | 9,077,000 |
| Noninterest income | 313,000 | 639,000 | 972,000 | 1,253,000 |
| Noninterest expense | 1,492,000 | 2,952,000 | 4,359,000 | 6,056,000 |
| Provision for loan losses | 60,000 | 120,000 | 120,000 | 120,000 |
| Pretax income | 1,087,000 | 2,123,000 | 3,258,000 | 4,154,000 |
| Income tax | 359,000 | 740,000 | 1,190,000 | 1,602,000 |
| Net income | 728,000 | 1,383,000 | 2,068,000 | 2,552,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,149,000 | 36,804,000 | 37,489,000 | 37,973,000 |
| Total capital | 38,396,000 | 38,990,000 | 39,772,000 | 40,311,000 |
| Risk-weighted assets | 179,430,000 | 174,375,000 | 182,262,000 | 186,713,000 |