Call reports 2006
BARTOW COUNTY BANK — 2006
What BARTOW COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 331,996,000 | 335,413,000 | 341,645,000 | 345,651,000 |
| Total loans | 251,977,000 | 260,323,000 | 264,701,000 | 268,286,000 |
| Allowance for loan losses | 2,674,000 | 3,255,000 | 3,380,000 | 3,371,000 |
| Securities available for sale | 40,861,000 | 40,567,000 | 40,725,000 | 41,304,000 |
| Securities held to maturity | 15,116,000 | 14,438,000 | 13,638,000 | 13,169,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 266,234,000 | 263,672,000 | 276,931,000 | 290,153,000 |
| Interest-bearing deposits | 242,436,000 | 242,775,000 | 256,853,000 | 272,662,000 |
| Noninterest-bearing deposits | 23,798,000 | 20,897,000 | 20,078,000 | 17,491,000 |
| Equity capital | 23,270,000 | 23,964,000 | 24,699,000 | 25,448,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 5,126,000 | 10,559,000 | 16,306,000 | 22,368,000 |
| Interest expense | 2,194,000 | 4,598,000 | 7,288,000 | 10,249,000 |
| Net interest income | 2,932,000 | 5,961,000 | 9,018,000 | 12,119,000 |
| Noninterest income | 619,000 | 1,977,000 | 2,539,000 | 2,922,000 |
| Noninterest expense | 1,996,000 | 4,183,000 | 6,275,000 | 8,692,000 |
| Provision for loan losses | 173,000 | 608,000 | 780,000 | 953,000 |
| Pretax income | 1,382,000 | 3,147,000 | 4,502,000 | 5,396,000 |
| Income tax | 500,000 | 1,147,000 | 1,641,000 | 1,890,000 |
| Net income | 882,000 | 2,000,000 | 2,861,000 | 3,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,061,000 | 24,949,000 | 25,580,000 | 25,995,000 |
| Total capital | 26,735,000 | 28,204,000 | 28,960,000 | 29,366,000 |
| Risk-weighted assets | 256,666,000 | 264,473,000 | 271,174,000 | 276,295,000 |