Call reports 2004
COFFEE COUNTY BANK — 2004
What COFFEE 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 | 62,810,000 | 67,882,000 | 69,270,000 | 77,428,000 |
| Total loans | 50,671,000 | 55,513,000 | 60,726,000 | 65,816,000 |
| Allowance for loan losses | 660,000 | 718,000 | 758,000 | 1,045,000 |
| Securities available for sale | 8,529,000 | 7,696,000 | 5,467,000 | 6,391,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,777,000 | 61,651,000 | 62,549,000 | 65,019,000 |
| Interest-bearing deposits | 49,031,000 | 54,789,000 | 55,662,000 | 58,062,000 |
| Noninterest-bearing deposits | 7,746,000 | 6,862,000 | 6,887,000 | 6,957,000 |
| Equity capital | 5,834,000 | 5,952,000 | 6,332,000 | 6,421,000 |
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 | 948,000 | 2,003,000 | 3,137,000 | 4,352,000 |
| Interest expense | 225,000 | 474,000 | 752,000 | 1,101,000 |
| Net interest income | 723,000 | 1,529,000 | 2,385,000 | 3,251,000 |
| Noninterest income | 123,000 | 270,000 | 443,000 | 653,000 |
| Noninterest expense | 446,000 | 876,000 | 1,351,000 | 1,825,000 |
| Provision for loan losses | 30,000 | 70,000 | 115,000 | 404,000 |
| Pretax income | 385,000 | 868,000 | 1,516,000 | 1,830,000 |
| Income tax | 25,000 | 56,000 | 98,000 | 119,000 |
| Net income | 360,000 | 812,000 | 1,418,000 | 1,711,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,616,000 | 5,924,000 | 6,349,000 | 6,463,000 |
| Total capital | 6,207,000 | 6,570,000 | 7,027,000 | 7,212,000 |
| Risk-weighted assets | 47,193,000 | 51,627,000 | 54,144,000 | 59,649,000 |
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