Call reports 2003
BARTOW COUNTY BANK — 2003
What BARTOW COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 268,664,000 | 276,291,000 | 276,822,000 | 274,941,000 |
| Total loans | 199,698,000 | 199,959,000 | 202,328,000 | 198,205,000 |
| Allowance for loan losses | 2,039,000 | 1,864,000 | 1,884,000 | 2,022,000 |
| Securities available for sale | 15,657,000 | 15,628,000 | 14,443,000 | 24,473,000 |
| Securities held to maturity | 15,752,000 | 18,237,000 | 19,742,000 | 18,545,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,961,000 | 240,825,000 | 241,213,000 | 238,951,000 |
| Interest-bearing deposits | 206,078,000 | 211,714,000 | 211,408,000 | 207,541,000 |
| Noninterest-bearing deposits | 27,883,000 | 29,111,000 | 29,805,000 | 31,410,000 |
| Equity capital | 18,334,000 | 18,869,000 | 19,253,000 | 19,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,909,000 | 7,988,000 | 11,963,000 | 15,874,000 |
| Interest expense | 1,550,000 | 3,062,000 | 4,422,000 | 5,688,000 |
| Net interest income | 2,359,000 | 4,926,000 | 7,541,000 | 10,186,000 |
| Noninterest income | 272,000 | 577,000 | 891,000 | 1,226,000 |
| Noninterest expense | 1,722,000 | 3,309,000 | 5,021,000 | 6,650,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 789,000 | 1,954,000 | 3,054,000 | 4,293,000 |
| Income tax | 280,000 | 675,000 | 1,052,000 | 1,488,000 |
| Net income | 509,000 | 1,279,000 | 2,002,000 | 2,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,249,000 | 18,796,000 | 19,296,000 | 19,876,000 |
| Total capital | 20,288,000 | 20,660,000 | 21,180,000 | 21,898,000 |
| Risk-weighted assets | 193,910,000 | 195,254,000 | 198,558,000 | 194,830,000 |