Call reports 2004
COUNTRYSIDE BANK — 2004
What COUNTRYSIDE 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 | 774,841,000 | 799,237,000 | 846,071,000 | 878,262,000 |
| Total loans | 565,363,000 | 585,482,000 | 635,724,000 | 670,001,000 |
| Allowance for loan losses | 7,381,000 | 7,715,000 | 8,058,000 | 8,759,000 |
| Securities available for sale | 163,181,000 | 157,877,000 | 165,567,000 | 165,441,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 644,505,000 | 674,993,000 | 700,609,000 | 714,804,000 |
| Interest-bearing deposits | 537,701,000 | 556,225,000 | 580,543,000 | 593,853,000 |
| Noninterest-bearing deposits | 106,804,000 | 118,768,000 | 120,066,000 | 120,951,000 |
| Equity capital | 77,480,000 | 75,735,000 | 80,691,000 | 82,697,000 |
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 | 11,543,000 | 23,530,000 | 36,422,000 | 50,431,000 |
| Interest expense | 3,316,000 | 6,809,000 | 10,556,000 | 14,765,000 |
| Net interest income | 8,227,000 | 16,721,000 | 25,866,000 | 35,666,000 |
| Noninterest income | 756,000 | 1,466,000 | 2,149,000 | 2,832,000 |
| Noninterest expense | 2,979,000 | 5,947,000 | 9,014,000 | 12,242,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,600,000 |
| Pretax income | 5,881,000 | 11,806,000 | 18,267,000 | 24,822,000 |
| Income tax | 76,000 | 151,000 | 227,000 | 317,000 |
| Net income | 5,805,000 | 11,655,000 | 18,040,000 | 24,505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,951,000 | 72,155,000 | 74,841,000 | 77,989,000 |
| Total capital | 77,338,000 | 79,876,000 | 82,906,000 | 86,755,000 |
| Risk-weighted assets | 692,383,000 | 696,058,000 | 743,478,000 | 778,709,000 |