Call reports 2004
PEOPLES BANK OF COFFEE COUNTY, THE — 2004
What PEOPLES BANK OF COFFEE COUNTY, 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 | 101,731,000 | 103,592,000 | 105,317,000 | 107,096,000 |
| Total loans | 65,199,000 | 66,440,000 | 67,604,000 | 66,723,000 |
| Allowance for loan losses | 1,571,000 | 1,627,000 | 1,643,000 | 1,898,000 |
| Securities available for sale | 22,291,000 | 21,553,000 | 23,650,000 | 23,147,000 |
| Securities held to maturity | 0 | 0 | 113,000 | 114,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,021,000 | 86,576,000 | 88,098,000 | 90,060,000 |
| Interest-bearing deposits | 74,756,000 | 77,616,000 | 78,367,000 | 78,506,000 |
| Noninterest-bearing deposits | 9,265,000 | 8,960,000 | 9,731,000 | 11,554,000 |
| Equity capital | 13,132,000 | 12,785,000 | 12,996,000 | 12,846,000 |
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 | 1,411,000 | 2,840,000 | 4,222,000 | 5,682,000 |
| Interest expense | 505,000 | 1,040,000 | 1,605,000 | 2,171,000 |
| Net interest income | 906,000 | 1,800,000 | 2,617,000 | 3,511,000 |
| Noninterest income | 140,000 | 290,000 | 458,000 | 614,000 |
| Noninterest expense | 561,000 | 1,135,000 | 1,687,000 | 2,272,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 714,000 |
| Pretax income | 508,000 | 858,000 | 1,171,000 | 1,283,000 |
| Income tax | 158,000 | 268,000 | 352,000 | 355,000 |
| Net income | 350,000 | 590,000 | 819,000 | 928,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,973,000 | 9,966,000 | 9,948,000 | 9,873,000 |
| Total capital | 10,851,000 | 10,867,000 | 10,870,000 | 10,793,000 |
| Risk-weighted assets | 69,370,000 | 71,183,000 | 72,864,000 | 72,510,000 |