Call reports 2004
HARRISON COUNTY BANK, THE — 2004
What HARRISON COUNTY BANK, 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 | 61,405,000 | 69,390,000 | 75,170,000 | 73,236,000 |
| Total loans | 30,942,000 | 33,447,000 | 35,726,000 | 36,516,000 |
| Allowance for loan losses | 625,000 | 653,000 | 599,000 | 499,000 |
| Securities available for sale | 21,231,000 | 29,980,000 | 32,399,000 | 30,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,018,000 | 55,681,000 | 56,139,000 | 54,878,000 |
| Interest-bearing deposits | 47,624,000 | 47,025,000 | 47,676,000 | 46,287,000 |
| Noninterest-bearing deposits | 7,394,000 | 8,656,000 | 8,463,000 | 8,591,000 |
| Equity capital | 6,120,000 | 5,615,000 | 6,228,000 | 6,236,000 |
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 | 847,000 | 1,716,000 | 2,710,000 | 3,728,000 |
| Interest expense | 208,000 | 415,000 | 651,000 | 899,000 |
| Net interest income | 639,000 | 1,301,000 | 2,059,000 | 2,829,000 |
| Noninterest income | 91,000 | 175,000 | 270,000 | 355,000 |
| Noninterest expense | 511,000 | 1,013,000 | 1,546,000 | 2,111,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 160,000 |
| Pretax income | 189,000 | 403,000 | 693,000 | 913,000 |
| Income tax | 76,000 | 162,000 | 281,000 | 289,000 |
| Net income | 113,000 | 241,000 | 412,000 | 624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,138,000 | 6,153,000 | 6,324,000 | 6,411,000 |
| Total capital | 6,552,000 | 6,615,000 | 6,815,000 | 6,905,000 |
| Risk-weighted assets | 32,932,000 | 36,775,000 | 39,196,000 | 39,515,000 |