Call reports 2004
PHELPS COUNTY BANK — 2004
What PHELPS COUNTY BANK 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 | 196,110,000 | 206,361,000 | 208,157,000 | 206,662,000 |
| Total loans | 131,871,000 | 137,795,000 | 147,993,000 | 152,130,000 |
| Allowance for loan losses | 1,398,000 | 1,398,000 | 1,443,000 | 1,442,000 |
| Securities available for sale | 51,664,000 | 50,726,000 | 43,831,000 | 44,028,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 179,017,000 | 187,919,000 | 191,122,000 | 188,707,000 |
| Interest-bearing deposits | 149,291,000 | 157,535,000 | 159,902,000 | 158,651,000 |
| Noninterest-bearing deposits | 29,726,000 | 30,384,000 | 31,220,000 | 30,056,000 |
| Equity capital | 14,922,000 | 13,677,000 | 14,732,000 | 14,882,000 |
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 | 2,502,000 | 5,038,000 | 7,678,000 | 10,360,000 |
| Interest expense | 629,000 | 1,265,000 | 1,935,000 | 2,663,000 |
| Net interest income | 1,873,000 | 3,773,000 | 5,743,000 | 7,697,000 |
| Noninterest income | 431,000 | 899,000 | 1,379,000 | 1,907,000 |
| Noninterest expense | 1,563,000 | 3,204,000 | 4,859,000 | 6,505,000 |
| Provision for loan losses | 74,000 | 150,000 | 258,000 | 323,000 |
| Pretax income | 697,000 | 1,348,000 | 2,053,000 | 2,826,000 |
| Income tax | -8,000 | -8,000 | -8,000 | -7,000 |
| Net income | 705,000 | 1,356,000 | 2,061,000 | 2,833,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,636,000 | 14,737,000 | 14,892,000 | 15,114,000 |
| Total capital | 16,027,000 | 16,135,000 | 16,335,000 | 16,556,000 |
| Risk-weighted assets | 111,308,000 | 117,433,000 | 127,404,000 | 125,681,000 |
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