Call reports 2004
FIRST CHATHAM BANK — 2004
What FIRST CHATHAM 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 | 165,794,000 | 178,080,000 | 188,009,000 | 205,576,000 |
| Total loans | 111,360,000 | 122,845,000 | 136,401,000 | 148,021,000 |
| Allowance for loan losses | 1,200,000 | 1,326,000 | 1,521,000 | 1,664,000 |
| Securities available for sale | 37,111,000 | 36,394,000 | 34,225,000 | 35,764,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 136,617,000 | 144,604,000 | 147,192,000 | 158,436,000 |
| Interest-bearing deposits | 126,358,000 | 131,777,000 | 131,846,000 | 141,477,000 |
| Noninterest-bearing deposits | 10,259,000 | 12,827,000 | 15,345,000 | 16,959,000 |
| Equity capital | 12,264,000 | 15,626,000 | 18,534,000 | 19,103,000 |
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 | 1,750,000 | 3,661,000 | 5,890,000 | 8,493,000 |
| Interest expense | 594,000 | 1,333,000 | 2,106,000 | 2,997,000 |
| Net interest income | 1,156,000 | 2,328,000 | 3,784,000 | 5,496,000 |
| Noninterest income | 165,000 | 354,000 | 544,000 | 760,000 |
| Noninterest expense | 1,133,000 | 2,242,000 | 3,448,000 | 4,904,000 |
| Provision for loan losses | 100,000 | 230,000 | 426,000 | 596,000 |
| Pretax income | 85,000 | 182,000 | 403,000 | 690,000 |
| Income tax | 0 | 0 | 0 | 262,000 |
| Net income | 85,000 | 182,000 | 403,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,355,000 | 16,055,000 | 18,282,000 | 18,575,000 |
| Total capital | 12,555,000 | 17,381,000 | 19,803,000 | 20,239,000 |
| Risk-weighted assets | 118,975,000 | 134,636,000 | 150,521,000 | 163,614,000 |