Call reports 2004
BANK-OLDHAM COUNTY, INC, THE — 2004
What BANK-OLDHAM COUNTY, INC, 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 | 119,338,000 | 120,273,000 | 117,758,000 | 128,309,000 |
| Total loans | 55,298,000 | 57,013,000 | 57,728,000 | 62,612,000 |
| Allowance for loan losses | 599,000 | 835,000 | 847,000 | 858,000 |
| Securities available for sale | 51,063,000 | 47,917,000 | 46,655,000 | 46,566,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,707,000 | 106,076,000 | 101,696,000 | 111,170,000 |
| Interest-bearing deposits | 85,808,000 | 83,469,000 | 80,579,000 | 88,905,000 |
| Noninterest-bearing deposits | 18,899,000 | 22,607,000 | 21,117,000 | 22,265,000 |
| Equity capital | 9,897,000 | 9,280,000 | 10,136,000 | 10,110,000 |
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 | 1,331,000 | 2,678,000 | 3,996,000 | 5,458,000 |
| Interest expense | 291,000 | 568,000 | 848,000 | 1,166,000 |
| Net interest income | 1,040,000 | 2,110,000 | 3,148,000 | 4,292,000 |
| Noninterest income | 330,000 | 912,000 | 1,283,000 | 1,621,000 |
| Noninterest expense | 1,024,000 | 2,062,000 | 3,129,000 | 4,190,000 |
| Provision for loan losses | 30,000 | 250,000 | 266,000 | 281,000 |
| Pretax income | 315,000 | 711,000 | 1,049,000 | 1,455,000 |
| Income tax | 73,000 | 173,000 | 253,000 | 348,000 |
| Net income | 242,000 | 538,000 | 796,000 | 1,107,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,367,000 | 9,663,000 | 9,920,000 | 10,072,000 |
| Total capital | 9,966,000 | 10,498,000 | 10,767,000 | 10,930,000 |
| Risk-weighted assets | 68,422,000 | 71,458,000 | 70,804,000 | 76,228,000 |