Call reports 2004
MILLEDGEVILLE STATE BANK — 2004
What MILLEDGEVILLE STATE 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 | 53,847,000 | 55,167,000 | 55,318,000 | 57,302,000 |
| Total loans | 33,959,000 | 34,367,000 | 34,234,000 | 35,182,000 |
| Allowance for loan losses | 316,000 | 316,000 | 316,000 | 305,000 |
| Securities available for sale | 16,010,000 | 15,083,000 | 16,380,000 | 16,256,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,355,000 | 43,963,000 | 43,715,000 | 45,967,000 |
| Interest-bearing deposits | 38,866,000 | 39,693,000 | 39,940,000 | 40,635,000 |
| Noninterest-bearing deposits | 3,489,000 | 4,270,000 | 3,775,000 | 5,332,000 |
| Equity capital | 7,466,000 | 7,175,000 | 7,509,000 | 7,348,000 |
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 | 745,000 | 1,453,000 | 2,181,000 | 2,934,000 |
| Interest expense | 246,000 | 491,000 | 742,000 | 998,000 |
| Net interest income | 499,000 | 962,000 | 1,439,000 | 1,936,000 |
| Noninterest income | 41,000 | 84,000 | 126,000 | 172,000 |
| Noninterest expense | 336,000 | 628,000 | 945,000 | 1,226,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 204,000 | 418,000 | 621,000 | 883,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 204,000 | 418,000 | 621,000 | 875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,739,000 | 6,844,000 | 6,992,000 | 6,964,000 |
| Total capital | 7,055,000 | 7,160,000 | 7,308,000 | 7,269,000 |
| Risk-weighted assets | 38,733,000 | 39,155,000 | 39,237,000 | 40,799,000 |
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