Call reports 2004
NEWTON COUNTY BANK — 2004
What NEWTON 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 | 143,995,000 | 139,598,000 | 140,263,000 | 139,418,000 |
| Total loans | 83,866,000 | 88,194,000 | 90,849,000 | 90,546,000 |
| Allowance for loan losses | 1,190,000 | 1,226,000 | 1,237,000 | 1,208,000 |
| Securities available for sale | 32,677,000 | 33,521,000 | 29,973,000 | 28,503,000 |
| Securities held to maturity | 8,581,000 | 8,653,000 | 8,186,000 | 8,603,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,400,000 | 121,022,000 | 121,127,000 | 119,504,000 |
| Interest-bearing deposits | 106,515,000 | 104,462,000 | 103,270,000 | 101,242,000 |
| Noninterest-bearing deposits | 17,885,000 | 16,560,000 | 17,857,000 | 18,262,000 |
| Equity capital | 17,472,000 | 16,817,000 | 17,400,000 | 17,381,000 |
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 | 1,877,000 | 3,694,000 | 5,601,000 | 7,526,000 |
| Interest expense | 396,000 | 778,000 | 1,153,000 | 1,556,000 |
| Net interest income | 1,481,000 | 2,916,000 | 4,448,000 | 5,970,000 |
| Noninterest income | 346,000 | 642,000 | 962,000 | 1,292,000 |
| Noninterest expense | 1,228,000 | 2,354,000 | 3,482,000 | 4,766,000 |
| Provision for loan losses | 15,000 | 45,000 | 75,000 | 95,000 |
| Pretax income | 584,000 | 1,159,000 | 1,863,000 | 2,411,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 584,000 | 1,159,000 | 1,863,000 | 2,411,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,002,000 | 15,827,000 | 16,181,000 | 16,229,000 |
| Total capital | 17,762,000 | 17,499,000 | 17,913,000 | 17,953,000 |
| Risk-weighted assets | 109,409,000 | 110,573,000 | 110,527,000 | 112,461,000 |