Call reports 2004
POLK COUNTY BANK — 2004
What POLK 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 | 105,333,000 | 108,544,000 | 113,761,000 | 118,017,000 |
| Total loans | 89,458,000 | 92,790,000 | 94,220,000 | 103,254,000 |
| Allowance for loan losses | 1,141,000 | 1,214,000 | 1,351,000 | 1,387,000 |
| Securities available for sale | 5,496,000 | 5,505,000 | 5,633,000 | 6,358,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,480,000 | 89,996,000 | 94,867,000 | 98,786,000 |
| Interest-bearing deposits | 75,964,000 | 73,773,000 | 78,816,000 | 81,245,000 |
| Noninterest-bearing deposits | 13,516,000 | 16,223,000 | 16,051,000 | 17,541,000 |
| Equity capital | 7,923,000 | 8,329,000 | 8,725,000 | 12,248,000 |
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 | 1,740,000 | 3,496,000 | 5,248,000 | 7,112,000 |
| Interest expense | 397,000 | 824,000 | 1,312,000 | 1,811,000 |
| Net interest income | 1,343,000 | 2,672,000 | 3,936,000 | 5,301,000 |
| Noninterest income | 181,000 | 409,000 | 615,000 | 866,000 |
| Noninterest expense | 767,000 | 1,736,000 | 2,546,000 | 3,750,000 |
| Provision for loan losses | 100,000 | 220,000 | 340,000 | 432,000 |
| Pretax income | 657,000 | 1,125,000 | 1,665,000 | 1,985,000 |
| Income tax | 243,000 | 443,000 | 615,000 | 689,000 |
| Net income | 414,000 | 682,000 | 1,050,000 | 1,296,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,867,000 | 8,334,000 | 8,702,000 | 12,248,000 |
| Total capital | 9,008,000 | 9,494,000 | 9,888,000 | 13,449,000 |
| Risk-weighted assets | 92,209,000 | 92,714,000 | 94,738,000 | 102,627,000 |