Call reports 2007
BARTOW COUNTY BANK — 2007
What BARTOW COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 368,778,000 | 364,553,000 | 368,497,000 | 381,106,000 |
| Total loans | 265,847,000 | 276,619,000 | 281,280,000 | 300,566,000 |
| Allowance for loan losses | 3,490,000 | 3,500,000 | 3,437,000 | 4,142,000 |
| Securities available for sale | 53,446,000 | 52,592,000 | 52,664,000 | 52,544,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,463,000 | 307,551,000 | 301,535,000 | 299,682,000 |
| Interest-bearing deposits | 279,995,000 | 284,794,000 | 282,029,000 | 282,052,000 |
| Noninterest-bearing deposits | 17,468,000 | 22,757,000 | 19,506,000 | 17,630,000 |
| Equity capital | 25,719,000 | 25,792,000 | 26,605,000 | 27,208,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 6,013,000 | 12,227,000 | 18,587,000 | 25,106,000 |
| Interest expense | 3,156,000 | 6,419,000 | 9,812,000 | 13,098,000 |
| Net interest income | 2,857,000 | 5,808,000 | 8,775,000 | 12,008,000 |
| Noninterest income | 632,000 | 1,358,000 | 2,208,000 | 3,135,000 |
| Noninterest expense | 2,355,000 | 4,973,000 | 7,437,000 | 10,157,000 |
| Provision for loan losses | 146,000 | 292,000 | 511,000 | 1,876,000 |
| Pretax income | 993,000 | 1,906,000 | 3,040,000 | 3,115,000 |
| Income tax | 359,000 | 690,000 | 1,104,000 | 1,115,000 |
| Net income | 634,000 | 1,216,000 | 1,936,000 | 2,000,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,275,000 | 26,612,000 | 26,967,000 | 27,287,000 |
| Total capital | 29,765,000 | 30,112,000 | 30,404,000 | 31,132,000 |
| Risk-weighted assets | 281,746,000 | 287,154,000 | 291,515,000 | 307,295,000 |