Call reports 2004
LUMPKIN COUNTY BANK — 2004
What LUMPKIN 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 |
|---|---|---|
| Total assets | 70,459,000 | 68,905,000 |
| Total loans | 54,510,000 | 51,206,000 |
| Allowance for loan losses | 693,000 | 805,000 |
| Securities available for sale | 4,910,000 | 4,706,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 62,214,000 | 61,027,000 |
| Interest-bearing deposits | 56,981,000 | 55,574,000 |
| Noninterest-bearing deposits | 5,233,000 | 5,453,000 |
| Equity capital | 4,306,000 | 4,034,000 |
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 |
|---|---|---|
| Interest income | 967,000 | 1,945,000 |
| Interest expense | 324,000 | 636,000 |
| Net interest income | 643,000 | 1,309,000 |
| Noninterest income | 119,000 | 186,000 |
| Noninterest expense | 602,000 | 1,290,000 |
| Provision for loan losses | 67,000 | 217,000 |
| Pretax income | 93,000 | -11,000 |
| Income tax | -12,000 | -5,000 |
| Net income | 105,000 | -6,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 4,226,000 | 4,115,000 |
| Total capital | 4,891,000 | 4,731,000 |
| Risk-weighted assets | 53,211,000 | 49,061,000 |