Call reports 2010
BARTOW COUNTY BANK — 2010
What BARTOW COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 411,460,000 | 379,911,000 | 357,068,000 | 330,215,000 |
| Total loans | 279,797,000 | 265,913,000 | 246,527,000 | 232,722,000 |
| Allowance for loan losses | 8,210,000 | 8,542,000 | 6,143,000 | 6,919,000 |
| Securities available for sale | 25,780,000 | 30,578,000 | 26,648,000 | 24,281,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,764,000 | 328,869,000 | 318,220,000 | 304,088,000 |
| Interest-bearing deposits | 311,427,000 | 286,186,000 | 276,844,000 | 262,963,000 |
| Noninterest-bearing deposits | 46,337,000 | 42,683,000 | 41,376,000 | 41,125,000 |
| Equity capital | 19,954,000 | 17,481,000 | 14,890,000 | 2,516,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,968,000 | 7,486,000 | 10,913,000 | 13,897,000 |
| Interest expense | 2,411,000 | 4,215,000 | 5,783,000 | 7,201,000 |
| Net interest income | 1,557,000 | 3,271,000 | 5,130,000 | 6,696,000 |
| Noninterest income | 472,000 | -465,000 | -424,000 | 357,000 |
| Noninterest expense | 2,836,000 | 5,776,000 | 8,923,000 | 12,350,000 |
| Provision for loan losses | 1,572,000 | 3,988,000 | 6,947,000 | 11,147,000 |
| Pretax income | -2,379,000 | -6,958,000 | -10,847,000 | -15,935,000 |
| Income tax | -907,000 | -2,638,000 | -4,120,000 | 2,829,000 |
| Net income | -1,472,000 | -4,320,000 | -6,727,000 | -18,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,140,000 | 12,445,000 | 8,949,000 | 2,546,000 |
| Total capital | 22,663,000 | 15,677,000 | 12,063,000 | 5,062,000 |
| Risk-weighted assets | 277,136,000 | 253,272,000 | 246,059,000 | 234,351,000 |