Call reports 2004
OLD FORT BANKING COMPANY, THE — 2004
What OLD FORT BANKING COMPANY, 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 | 299,188,000 | 310,865,000 | 309,940,000 | 318,665,000 |
| Total loans | 209,285,000 | 218,270,000 | 221,346,000 | 228,020,000 |
| Allowance for loan losses | 2,544,000 | 2,474,000 | 2,546,000 | 2,611,000 |
| Securities available for sale | 70,078,000 | 70,520,000 | 67,831,000 | 66,910,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 255,609,000 | 264,598,000 | 265,511,000 | 270,834,000 |
| Interest-bearing deposits | 235,273,000 | 241,417,000 | 242,478,000 | 247,157,000 |
| Noninterest-bearing deposits | 20,336,000 | 23,181,000 | 23,033,000 | 23,677,000 |
| Equity capital | 26,383,000 | 24,300,000 | 26,257,000 | 25,807,000 |
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 | 3,663,000 | 7,386,000 | 11,206,000 | 15,121,000 |
| Interest expense | 1,106,000 | 2,255,000 | 3,452,000 | 4,708,000 |
| Net interest income | 2,557,000 | 5,131,000 | 7,754,000 | 10,413,000 |
| Noninterest income | 459,000 | 935,000 | 1,497,000 | 1,976,000 |
| Noninterest expense | 2,056,000 | 4,087,000 | 6,123,000 | 8,149,000 |
| Provision for loan losses | 190,000 | 349,000 | 484,000 | 649,000 |
| Pretax income | 947,000 | 1,830,000 | 2,868,000 | 4,025,000 |
| Income tax | 205,000 | 396,000 | 644,000 | 935,000 |
| Net income | 742,000 | 1,434,000 | 2,224,000 | 3,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,402,000 | 25,065,000 | 25,843,000 | 25,793,000 |
| Total capital | 27,946,000 | 27,539,000 | 28,389,000 | 28,404,000 |
| Risk-weighted assets | 232,569,000 | 242,715,000 | 244,358,000 | 251,688,000 |