Call reports 2004
BRADFORD NATIONAL BANK OF GREENVILLE, THE — 2004
What BRADFORD NATIONAL BANK OF GREENVILLE, 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 | 190,975,000 | 194,603,000 | 202,655,000 | 198,713,000 |
| Total loans | 83,437,000 | 85,189,000 | 87,542,000 | 86,309,000 |
| Allowance for loan losses | 1,114,000 | 1,138,000 | 1,161,000 | 1,150,000 |
| Securities available for sale | 96,533,000 | 89,147,000 | 98,930,000 | 93,679,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 161,461,000 | 167,669,000 | 174,037,000 | 171,138,000 |
| Interest-bearing deposits | 136,668,000 | 145,746,000 | 150,587,000 | 147,589,000 |
| Noninterest-bearing deposits | 24,792,000 | 21,923,000 | 23,450,000 | 23,549,000 |
| Equity capital | 17,307,000 | 16,060,000 | 17,484,000 | 17,041,000 |
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 | 2,255,000 | 4,619,000 | 6,958,000 | 9,380,000 |
| Interest expense | 896,000 | 1,768,000 | 2,677,000 | 3,555,000 |
| Net interest income | 1,359,000 | 2,851,000 | 4,281,000 | 5,825,000 |
| Noninterest income | 198,000 | 412,000 | 639,000 | 894,000 |
| Noninterest expense | 1,137,000 | 2,286,000 | 3,444,000 | 4,712,000 |
| Provision for loan losses | 24,000 | 48,000 | 72,000 | 108,000 |
| Pretax income | 396,000 | 929,000 | 1,404,000 | 1,923,000 |
| Income tax | 81,000 | 232,000 | 330,000 | 453,000 |
| Net income | 315,000 | 697,000 | 1,074,000 | 1,470,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,457,000 | 15,752,000 | 16,142,000 | 16,067,000 |
| Total capital | 17,571,000 | 16,890,000 | 17,304,000 | 17,235,000 |
| Risk-weighted assets | 108,320,000 | 110,719,000 | 115,349,000 | 117,113,000 |