Call reports 2004
BANK OF MCCRORY — 2004
What BANK OF MCCRORY 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 | 67,659,000 | 66,398,000 | 63,684,000 | 68,366,000 |
| Total loans | 28,287,000 | 35,252,000 | 39,400,000 | 33,463,000 |
| Allowance for loan losses | 824,000 | 775,000 | 741,000 | 642,000 |
| Securities available for sale | 29,071,000 | 27,153,000 | 21,525,000 | 26,481,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,621,000 | 58,735,000 | 55,465,000 | 60,913,000 |
| Interest-bearing deposits | 47,913,000 | 46,755,000 | 45,919,000 | 48,406,000 |
| Noninterest-bearing deposits | 11,708,000 | 11,980,000 | 9,546,000 | 12,507,000 |
| Equity capital | 7,692,000 | 7,588,000 | 8,012,000 | 7,359,000 |
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 | 746,000 | 1,569,000 | 2,436,000 | 3,270,000 |
| Interest expense | 173,000 | 336,000 | 497,000 | 671,000 |
| Net interest income | 573,000 | 1,233,000 | 1,939,000 | 2,599,000 |
| Noninterest income | 60,000 | 135,000 | 212,000 | 292,000 |
| Noninterest expense | 391,000 | 659,000 | 1,000,000 | 1,657,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 242,000 | 697,000 | 1,086,000 | 1,169,000 |
| Income tax | 83,000 | 238,000 | 364,000 | 336,000 |
| Net income | 159,000 | 459,000 | 722,000 | 833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,510,000 | 7,812,000 | 8,074,000 | 7,506,000 |
| Total capital | 7,919,000 | 8,292,000 | 8,605,000 | 7,989,000 |
| Risk-weighted assets | 32,339,000 | 38,096,000 | 42,307,000 | 38,458,000 |