Call reports 2004
BARTOW COUNTY BANK — 2004
What BARTOW COUNTY 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 | 286,018,000 | 284,452,000 | 295,245,000 | 301,678,000 |
| Total loans | 203,928,000 | 207,278,000 | 212,138,000 | 218,640,000 |
| Allowance for loan losses | 2,053,000 | 2,188,000 | 2,234,000 | 2,281,000 |
| Securities available for sale | 32,239,000 | 34,055,000 | 34,992,000 | 34,971,000 |
| Securities held to maturity | 24,517,000 | 22,749,000 | 18,733,000 | 18,098,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,154,000 | 249,599,000 | 259,578,000 | 267,438,000 |
| Interest-bearing deposits | 216,147,000 | 217,983,000 | 227,128,000 | 233,001,000 |
| Noninterest-bearing deposits | 33,007,000 | 31,616,000 | 32,450,000 | 34,437,000 |
| Equity capital | 20,471,000 | 20,224,000 | 21,317,000 | 21,887,000 |
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 | 3,828,000 | 7,843,000 | 11,899,000 | 16,167,000 |
| Interest expense | 1,210,000 | 2,466,000 | 3,836,000 | 5,330,000 |
| Net interest income | 2,618,000 | 5,377,000 | 8,063,000 | 10,837,000 |
| Noninterest income | 360,000 | 752,000 | 1,117,000 | 1,558,000 |
| Noninterest expense | 1,762,000 | 3,513,000 | 5,353,000 | 7,181,000 |
| Provision for loan losses | 137,000 | 347,000 | 467,000 | 587,000 |
| Pretax income | 1,079,000 | 2,269,000 | 3,362,000 | 4,629,000 |
| Income tax | 377,000 | 791,000 | 1,168,000 | 1,610,000 |
| Net income | 702,000 | 1,478,000 | 2,194,000 | 3,019,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,353,000 | 20,887,000 | 21,361,000 | 21,945,000 |
| Total capital | 22,406,000 | 23,075,000 | 23,595,000 | 24,226,000 |
| Risk-weighted assets | 202,787,000 | 206,941,000 | 207,409,000 | 214,252,000 |