Call reports 2004
BUCKHEAD COMMUNITY BANK, THE — 2004
What BUCKHEAD COMMUNITY BANK, THE 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 | 198,536,000 | 207,857,000 | 234,990,000 | 264,572,000 |
| Total loans | 136,827,000 | 146,136,000 | 168,957,000 | 186,249,000 |
| Allowance for loan losses | 1,567,000 | 1,714,000 | 1,939,000 | 2,386,000 |
| Securities available for sale | 55,578,000 | 52,177,000 | 56,848,000 | 57,097,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,092,000 | 173,649,000 | 189,989,000 | 219,962,000 |
| Interest-bearing deposits | 141,572,000 | 151,999,000 | 168,779,000 | 196,424,000 |
| Noninterest-bearing deposits | 21,520,000 | 21,650,000 | 21,210,000 | 23,538,000 |
| Equity capital | 17,515,000 | 15,986,000 | 22,838,000 | 23,291,000 |
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 | 2,731,000 | 5,615,000 | 8,826,000 | 12,451,000 |
| Interest expense | 790,000 | 1,585,000 | 2,480,000 | 3,562,000 |
| Net interest income | 1,941,000 | 4,030,000 | 6,346,000 | 8,889,000 |
| Noninterest income | 63,000 | 131,000 | 238,000 | 495,000 |
| Noninterest expense | 1,224,000 | 2,564,000 | 3,970,000 | 5,464,000 |
| Provision for loan losses | 150,000 | 300,000 | 525,000 | 975,000 |
| Pretax income | 656,000 | 1,326,000 | 2,148,000 | 3,031,000 |
| Income tax | 179,000 | 384,000 | 638,000 | 923,000 |
| Net income | 477,000 | 942,000 | 1,510,000 | 2,108,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,013,000 | 17,478,000 | 23,046,000 | 23,644,000 |
| Total capital | 18,580,000 | 19,192,000 | 24,985,000 | 26,030,000 |
| Risk-weighted assets | 157,545,000 | 169,863,000 | 192,516,000 | 216,935,000 |