Call reports 2004
COUNTY NATIONAL BANK — 2004
What COUNTY NATIONAL 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 | 250,385,000 | 256,127,000 | 260,011,000 | 260,829,000 |
| Total loans | 167,818,000 | 182,826,000 | 193,413,000 | 196,412,000 |
| Allowance for loan losses | 2,031,000 | 2,025,000 | 2,003,000 | 2,001,000 |
| Securities available for sale | 41,736,000 | 36,212,000 | 28,964,000 | 28,028,000 |
| Securities held to maturity | 16,468,000 | 14,680,000 | 13,170,000 | 11,895,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,645,000 | 221,086,000 | 220,346,000 | 221,106,000 |
| Interest-bearing deposits | 187,751,000 | 184,296,000 | 184,510,000 | 184,578,000 |
| Noninterest-bearing deposits | 32,894,000 | 36,790,000 | 35,836,000 | 36,528,000 |
| Equity capital | 29,077,000 | 28,823,000 | 29,224,000 | 29,426,000 |
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 | 2,914,000 | 5,846,000 | 8,917,000 | 12,098,000 |
| Interest expense | 513,000 | 1,005,000 | 1,501,000 | 2,007,000 |
| Net interest income | 2,401,000 | 4,841,000 | 7,416,000 | 10,091,000 |
| Noninterest income | 606,000 | 1,241,000 | 1,924,000 | 2,673,000 |
| Noninterest expense | 2,400,000 | 4,797,000 | 7,141,000 | 9,672,000 |
| Provision for loan losses | 55,000 | 115,000 | 175,000 | 250,000 |
| Pretax income | 552,000 | 1,174,000 | 2,028,000 | 2,846,000 |
| Income tax | 137,000 | 290,000 | 527,000 | 730,000 |
| Net income | 415,000 | 884,000 | 1,501,000 | 2,116,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,571,000 | 25,754,000 | 26,084,000 | 26,414,000 |
| Total capital | 27,602,000 | 27,779,000 | 28,087,000 | 28,415,000 |
| Risk-weighted assets | 170,993,000 | 181,300,000 | 187,664,000 | 197,376,000 |