Call reports 2004
JOHNSON CITY BANK — 2004
What JOHNSON CITY 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 | 50,872,000 | 55,134,000 | 54,183,000 | 54,220,000 |
| Total loans | 37,125,000 | 40,334,000 | 40,489,000 | 43,049,000 |
| Allowance for loan losses | 824,000 | 861,000 | 891,000 | 909,000 |
| Securities available for sale | 0 | 3,832,000 | 3,924,000 | 3,921,000 |
| Securities held to maturity | 2,950,000 | 950,000 | 930,000 | 930,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,341,000 | 48,609,000 | 47,421,000 | 47,323,000 |
| Interest-bearing deposits | 34,290,000 | 36,579,000 | 36,023,000 | 36,198,000 |
| Noninterest-bearing deposits | 10,051,000 | 12,030,000 | 11,398,000 | 11,125,000 |
| Equity capital | 6,453,000 | 6,431,000 | 6,673,000 | 6,840,000 |
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 | 793,000 | 1,615,000 | 2,492,000 | 3,416,000 |
| Interest expense | 148,000 | 301,000 | 460,000 | 625,000 |
| Net interest income | 645,000 | 1,314,000 | 2,032,000 | 2,791,000 |
| Noninterest income | 81,000 | 147,000 | 201,000 | 261,000 |
| Noninterest expense | 380,000 | 756,000 | 1,157,000 | 1,566,000 |
| Provision for loan losses | 50,000 | 98,000 | 153,000 | 228,000 |
| Pretax income | 296,000 | 607,000 | 923,000 | 1,258,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 296,000 | 607,000 | 923,000 | 1,258,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,453,000 | 6,599,000 | 6,750,000 | 6,919,000 |
| Total capital | 6,872,000 | 7,049,000 | 7,197,000 | 7,389,000 |
| Risk-weighted assets | 33,090,000 | 35,589,000 | 35,302,000 | 37,142,000 |