Call reports 2004
ONE BANK OF TENNESSEE — 2004
What ONE BANK OF TENNESSEE 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 | 240,645,000 | 243,892,000 | 244,306,000 | 250,148,000 |
| Total loans | 115,444,000 | 118,528,000 | 121,302,000 | 122,681,000 |
| Allowance for loan losses | 1,026,000 | 998,000 | 977,000 | 907,000 |
| Securities available for sale | 103,646,000 | 102,693,000 | 98,391,000 | 102,565,000 |
| Securities held to maturity | 2,211,000 | 1,461,000 | 1,118,000 | 1,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,013,000 | 224,856,000 | 224,690,000 | 230,741,000 |
| Interest-bearing deposits | 197,662,000 | 199,060,000 | 198,557,000 | 202,208,000 |
| Noninterest-bearing deposits | 23,351,000 | 25,796,000 | 26,133,000 | 28,533,000 |
| Equity capital | 18,812,000 | 18,094,000 | 18,602,000 | 18,583,000 |
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 | 2,554,000 | 5,080,000 | 7,692,000 | 10,369,000 |
| Interest expense | 738,000 | 1,442,000 | 2,168,000 | 2,939,000 |
| Net interest income | 1,816,000 | 3,638,000 | 5,524,000 | 7,430,000 |
| Noninterest income | 697,000 | 1,459,000 | 2,332,000 | 3,441,000 |
| Noninterest expense | 1,761,000 | 3,531,000 | 5,326,000 | 7,066,000 |
| Provision for loan losses | 88,000 | 175,000 | 263,000 | 361,000 |
| Pretax income | 664,000 | 1,391,000 | 2,267,000 | 3,444,000 |
| Income tax | 54,000 | 113,000 | 180,000 | 268,000 |
| Net income | 610,000 | 1,278,000 | 2,087,000 | 3,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,381,000 | 18,505,000 | 18,722,000 | 19,097,000 |
| Total capital | 19,407,000 | 19,503,000 | 19,699,000 | 20,004,000 |
| Risk-weighted assets | 101,843,000 | 103,252,000 | 104,901,000 | 107,056,000 |
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