Call reports 2004
CALHOUN COUNTY BANK, INC. — 2004
What CALHOUN COUNTY BANK, INC. 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 | 85,321,000 | 85,991,000 | 86,909,000 | 85,533,000 |
| Total loans | 57,956,000 | 59,443,000 | 60,362,000 | 60,073,000 |
| Allowance for loan losses | 765,000 | 784,000 | 851,000 | 864,000 |
| Securities available for sale | 14,812,000 | 13,624,000 | 12,954,000 | 12,676,000 |
| Securities held to maturity | 862,000 | 863,000 | 863,000 | 863,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,229,000 | 77,052,000 | 77,761,000 | 76,694,000 |
| Interest-bearing deposits | 63,489,000 | 64,002,000 | 63,424,000 | 62,574,000 |
| Noninterest-bearing deposits | 12,740,000 | 13,050,000 | 14,337,000 | 14,120,000 |
| Equity capital | 7,872,000 | 7,819,000 | 7,975,000 | 7,789,000 |
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 | 1,209,000 | 2,426,000 | 3,635,000 | 4,857,000 |
| Interest expense | 366,000 | 734,000 | 1,115,000 | 1,500,000 |
| Net interest income | 843,000 | 1,692,000 | 2,520,000 | 3,357,000 |
| Noninterest income | 133,000 | 275,000 | 426,000 | 585,000 |
| Noninterest expense | 769,000 | 1,490,000 | 2,284,000 | 3,221,000 |
| Provision for loan losses | 60,000 | 100,000 | 115,000 | 250,000 |
| Pretax income | 147,000 | 377,000 | 547,000 | 471,000 |
| Income tax | 53,000 | 135,000 | 189,000 | 137,000 |
| Net income | 94,000 | 242,000 | 358,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,806,000 | 7,850,000 | 7,967,000 | 7,826,000 |
| Total capital | 8,491,000 | 8,544,000 | 8,663,000 | 8,516,000 |
| Risk-weighted assets | 54,694,000 | 55,451,000 | 55,587,000 | 54,987,000 |