Call reports 2004
DRUMMOND COMMUNITY BANK — 2004
What DRUMMOND COMMUNITY 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 | 130,672,000 | 123,114,000 | 132,155,000 | 137,427,000 |
| Total loans | 74,245,000 | 74,375,000 | 76,061,000 | 74,188,000 |
| Allowance for loan losses | 1,319,000 | 1,320,000 | 1,367,000 | 1,456,000 |
| Securities available for sale | 45,067,000 | 37,862,000 | 45,411,000 | 44,958,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,481,000 | 100,025,000 | 101,359,000 | 116,606,000 |
| Interest-bearing deposits | 66,731,000 | 66,161,000 | 66,292,000 | 79,447,000 |
| Noninterest-bearing deposits | 31,750,000 | 33,864,000 | 35,067,000 | 37,159,000 |
| Equity capital | 16,460,000 | 15,073,000 | 16,898,000 | 17,510,000 |
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 | 2,113,000 | 4,216,000 | 6,413,000 | 8,693,000 |
| Interest expense | 243,000 | 464,000 | 699,000 | 965,000 |
| Net interest income | 1,870,000 | 3,752,000 | 5,714,000 | 7,728,000 |
| Noninterest income | 316,000 | 645,000 | 984,000 | 1,433,000 |
| Noninterest expense | 1,109,000 | 2,208,000 | 3,376,000 | 4,633,000 |
| Provision for loan losses | 90,000 | 180,000 | 270,000 | 330,000 |
| Pretax income | 987,000 | 2,009,000 | 3,052,000 | 4,198,000 |
| Income tax | 2,000 | 4,000 | 7,000 | 10,000 |
| Net income | 985,000 | 2,005,000 | 3,045,000 | 4,188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,405,000 | 14,738,000 | 15,519,000 | 16,390,000 |
| Total capital | 15,347,000 | 15,657,000 | 16,480,000 | 17,309,000 |
| Risk-weighted assets | 74,974,000 | 73,122,000 | 76,501,000 | 73,202,000 |