Call reports 2004
BANK OF FINCASTLE, THE — 2004
What BANK OF FINCASTLE, 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 | 135,186,000 | 139,004,000 | 138,877,000 | 136,681,000 |
| Total loans | 109,169,000 | 112,932,000 | 115,540,000 | 116,401,000 |
| Allowance for loan losses | 1,111,000 | 1,154,000 | 1,218,000 | 1,284,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,032,000 | 5,978,000 | 5,958,000 | 6,675,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 116,382,000 | 120,195,000 | 119,571,000 | 114,615,000 |
| Interest-bearing deposits | 86,003,000 | 89,118,000 | 87,393,000 | 83,434,000 |
| Noninterest-bearing deposits | 30,379,000 | 31,077,000 | 32,178,000 | 31,181,000 |
| Equity capital | 18,336,000 | 18,512,000 | 18,943,000 | 18,934,000 |
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 | 1,710,000 | 3,517,000 | 5,373,000 | 7,263,000 |
| Interest expense | 298,000 | 593,000 | 886,000 | 1,177,000 |
| Net interest income | 1,412,000 | 2,924,000 | 4,487,000 | 6,086,000 |
| Noninterest income | 224,000 | 443,000 | 636,000 | 869,000 |
| Noninterest expense | 989,000 | 1,992,000 | 3,019,000 | 4,181,000 |
| Provision for loan losses | 60,000 | 140,000 | 290,000 | 390,000 |
| Pretax income | 587,000 | 1,235,000 | 1,814,000 | 2,384,000 |
| Income tax | 155,000 | 329,000 | 477,000 | 691,000 |
| Net income | 432,000 | 906,000 | 1,337,000 | 1,693,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,336,000 | 18,512,000 | 18,943,000 | 18,934,000 |
| Total capital | 19,447,000 | 19,666,000 | 20,161,000 | 20,218,000 |
| Risk-weighted assets | 109,770,000 | 114,620,000 | 116,703,000 | 118,664,000 |