Call reports 2004
SATILLA COMMUNITY BANK — 2004
What SATILLA COMMUNITY 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 | 48,903,000 | 55,221,000 | 60,972,000 | 65,700,000 |
| Total loans | 35,428,000 | 41,483,000 | 46,667,000 | 52,136,000 |
| Allowance for loan losses | 357,000 | 351,000 | 340,000 | 357,000 |
| Securities available for sale | 9,520,000 | 10,290,000 | 10,066,000 | 9,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,454,000 | 48,251,000 | 54,309,000 | 56,704,000 |
| Interest-bearing deposits | 40,848,000 | 43,898,000 | 50,098,000 | 51,582,000 |
| Noninterest-bearing deposits | 3,606,000 | 4,353,000 | 4,211,000 | 5,122,000 |
| Equity capital | 4,280,000 | 4,461,000 | 4,863,000 | 7,001,000 |
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 | 675,000 | 1,387,000 | 2,266,000 | 3,206,000 |
| Interest expense | 200,000 | 424,000 | 690,000 | 991,000 |
| Net interest income | 475,000 | 963,000 | 1,576,000 | 2,215,000 |
| Noninterest income | 63,000 | 135,000 | 207,000 | 286,000 |
| Noninterest expense | 460,000 | 931,000 | 1,415,000 | 1,901,000 |
| Provision for loan losses | 10,000 | 17,000 | 47,000 | 82,000 |
| Pretax income | 68,000 | 150,000 | 321,000 | 510,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 68,000 | 150,000 | 321,000 | 510,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,246,000 | 4,701,000 | 4,886,000 | 7,057,000 |
| Total capital | 4,603,000 | 5,052,000 | 5,226,000 | 7,414,000 |
| Risk-weighted assets | 36,940,000 | 44,243,000 | 47,788,000 | 53,597,000 |