Call reports 2004
TRI-COUNTY BANK — 2004
What TRI-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 | 25,954,000 | 27,376,000 | 27,249,000 | 28,004,000 |
| Total loans | 19,424,000 | 21,285,000 | 21,190,000 | 21,858,000 |
| Allowance for loan losses | 183,000 | 161,000 | 162,000 | 169,000 |
| Securities available for sale | 1,011,000 | 992,000 | 749,000 | 744,000 |
| Securities held to maturity | 120,000 | 420,000 | 420,000 | 405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,524,000 | 20,886,000 | 20,732,000 | 21,427,000 |
| Interest-bearing deposits | 17,467,000 | 18,595,000 | 19,035,000 | 19,516,000 |
| Noninterest-bearing deposits | 2,057,000 | 2,291,000 | 1,697,000 | 1,911,000 |
| Equity capital | 2,234,000 | 2,260,000 | 2,313,000 | 2,342,000 |
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 | 354,000 | 708,000 | 1,099,000 | 1,491,000 |
| Interest expense | 120,000 | 241,000 | 368,000 | 508,000 |
| Net interest income | 234,000 | 467,000 | 731,000 | 983,000 |
| Noninterest income | 8,000 | 16,000 | 24,000 | 34,000 |
| Noninterest expense | 193,000 | 369,000 | 562,000 | 768,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 41,000 | 99,000 | 171,000 | 219,000 |
| Income tax | 12,000 | 31,000 | 54,000 | 70,000 |
| Net income | 29,000 | 68,000 | 117,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,225,000 | 2,264,000 | 2,313,000 | 2,345,000 |
| Total capital | 2,408,000 | 2,425,000 | 2,475,000 | 2,514,000 |
| Risk-weighted assets | 17,875,000 | 19,700,000 | 19,904,000 | 21,040,000 |