Call reports 2004
BANK OF EDMONSON COUNTY — 2004
What BANK OF EDMONSON COUNTY 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 | 150,969,000 | 151,793,000 | 151,723,000 | 156,766,000 |
| Total loans | 106,449,000 | 110,020,000 | 112,879,000 | 112,696,000 |
| Allowance for loan losses | 1,187,000 | 1,223,000 | 1,234,000 | 1,277,000 |
| Securities available for sale | 16,121,000 | 15,596,000 | 15,052,000 | 18,683,000 |
| Securities held to maturity | 18,586,000 | 17,466,000 | 16,860,000 | 16,663,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,019,000 | 106,904,000 | 109,219,000 | 115,104,000 |
| Interest-bearing deposits | 96,774,000 | 97,639,000 | 99,388,000 | 105,128,000 |
| Noninterest-bearing deposits | 9,245,000 | 9,265,000 | 9,831,000 | 9,976,000 |
| Equity capital | 17,467,000 | 17,416,000 | 17,977,000 | 17,006,000 |
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 | 2,342,000 | 4,626,000 | 6,897,000 | 9,209,000 |
| Interest expense | 982,000 | 1,958,000 | 2,939,000 | 3,949,000 |
| Net interest income | 1,360,000 | 2,668,000 | 3,958,000 | 5,260,000 |
| Noninterest income | 214,000 | 452,000 | 600,000 | 843,000 |
| Noninterest expense | 842,000 | 1,651,000 | 2,453,000 | 3,564,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 672,000 | 1,349,000 | 1,925,000 | 2,299,000 |
| Income tax | 138,000 | 282,000 | 420,000 | 502,000 |
| Net income | 534,000 | 1,067,000 | 1,505,000 | 1,797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,269,000 | 17,442,000 | 17,880,000 | 16,972,000 |
| Total capital | 18,456,000 | 18,665,000 | 19,114,000 | 18,249,000 |
| Risk-weighted assets | 103,826,000 | 107,007,000 | 108,971,000 | 110,330,000 |