Call reports 2004
BULLITT COUNTY BANK — 2004
What BULLITT 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 | 162,123,000 | 156,526,000 | 158,036,000 | 154,071,000 |
| Total loans | 134,715,000 | 132,908,000 | 132,566,000 | 136,280,000 |
| Allowance for loan losses | 1,445,000 | 1,514,000 | 1,582,000 | 1,704,000 |
| Securities available for sale | 11,695,000 | 10,232,000 | 9,412,000 | 8,341,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,496,000 | 128,047,000 | 129,985,000 | 125,844,000 |
| Interest-bearing deposits | 116,580,000 | 110,472,000 | 109,322,000 | 107,866,000 |
| Noninterest-bearing deposits | 16,916,000 | 17,575,000 | 20,663,000 | 17,978,000 |
| Equity capital | 14,017,000 | 14,106,000 | 14,480,000 | 14,636,000 |
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 | 2,635,000 | 5,202,000 | 7,742,000 | 10,294,000 |
| Interest expense | 952,000 | 1,797,000 | 2,601,000 | 3,385,000 |
| Net interest income | 1,683,000 | 3,405,000 | 5,141,000 | 6,909,000 |
| Noninterest income | 219,000 | 446,000 | 696,000 | 934,000 |
| Noninterest expense | 859,000 | 1,704,000 | 2,556,000 | 3,445,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 605,000 |
| Pretax income | 923,000 | 1,907,000 | 2,921,000 | 3,793,000 |
| Income tax | 312,000 | 643,000 | 985,000 | 1,278,000 |
| Net income | 611,000 | 1,264,000 | 1,936,000 | 2,515,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,967,000 | 14,220,000 | 14,492,000 | 14,670,000 |
| Total capital | 15,412,000 | 15,734,000 | 16,074,000 | 16,370,000 |
| Risk-weighted assets | 132,110,000 | 131,478,000 | 132,344,000 | 135,968,000 |