Call reports 2005
BARTOW COUNTY BANK — 2005
What BARTOW COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 302,781,000 | 312,208,000 | 327,670,000 | 324,413,000 |
| Total loans | 225,383,000 | 233,813,000 | 238,104,000 | 244,696,000 |
| Allowance for loan losses | 2,012,000 | 2,085,000 | 2,166,000 | 2,512,000 |
| Securities available for sale | 41,365,000 | 41,658,000 | 41,569,000 | 41,078,000 |
| Securities held to maturity | 17,695,000 | 17,421,000 | 16,402,000 | 15,664,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 267,956,000 | 263,914,000 | 274,716,000 | 261,243,000 |
| Interest-bearing deposits | 231,298,000 | 227,744,000 | 236,179,000 | 241,121,000 |
| Noninterest-bearing deposits | 36,658,000 | 36,170,000 | 38,537,000 | 20,122,000 |
| Equity capital | 21,972,000 | 22,788,000 | 23,208,000 | 22,788,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,229,000 | 8,731,000 | 13,450,000 | 18,392,000 |
| Interest expense | 1,554,000 | 3,257,000 | 5,183,000 | 7,297,000 |
| Net interest income | 2,675,000 | 5,474,000 | 8,267,000 | 11,095,000 |
| Noninterest income | 483,000 | 1,065,000 | 1,639,000 | 2,495,000 |
| Noninterest expense | 1,923,000 | 3,823,000 | 5,940,000 | 8,193,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 1,723,000 |
| Pretax income | 1,115,000 | 2,476,000 | 3,606,000 | 3,674,000 |
| Income tax | 390,000 | 871,000 | 1,266,000 | 1,174,000 |
| Net income | 725,000 | 1,605,000 | 2,340,000 | 2,500,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,429,000 | 23,053,000 | 23,531,000 | 23,435,000 |
| Total capital | 24,441,000 | 25,138,000 | 25,697,000 | 25,947,000 |
| Risk-weighted assets | 221,892,000 | 232,097,000 | 242,479,000 | 251,159,000 |