Call reports 2004
CLARKE COUNTY STATE BANK — 2004
What CLARKE COUNTY STATE 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 | 106,611,000 | 108,467,000 | 109,128,000 | 111,814,000 |
| Total loans | 77,630,000 | 80,440,000 | 82,474,000 | 79,549,000 |
| Allowance for loan losses | 786,000 | 878,000 | 913,000 | 910,000 |
| Securities available for sale | 12,616,000 | 17,255,000 | 16,661,000 | 18,299,000 |
| Securities held to maturity | 4,127,000 | 3,053,000 | 3,022,000 | 2,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,046,000 | 92,799,000 | 94,477,000 | 97,211,000 |
| Interest-bearing deposits | 87,230,000 | 87,149,000 | 87,165,000 | 87,522,000 |
| Noninterest-bearing deposits | 3,816,000 | 5,650,000 | 7,312,000 | 9,689,000 |
| Equity capital | 8,492,000 | 8,497,000 | 8,711,000 | 8,646,000 |
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 | 1,280,000 | 2,582,000 | 3,928,000 | 5,279,000 |
| Interest expense | 441,000 | 895,000 | 1,363,000 | 1,861,000 |
| Net interest income | 839,000 | 1,687,000 | 2,565,000 | 3,418,000 |
| Noninterest income | 132,000 | 322,000 | 474,000 | 581,000 |
| Noninterest expense | 738,000 | 1,473,000 | 2,138,000 | 2,864,000 |
| Provision for loan losses | 50,000 | 178,000 | 345,000 | 434,000 |
| Pretax income | 183,000 | 358,000 | 556,000 | 701,000 |
| Income tax | 23,000 | 51,000 | 85,000 | 99,000 |
| Net income | 160,000 | 307,000 | 471,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,350,000 | 8,497,000 | 8,661,000 | 8,642,000 |
| Total capital | 9,136,000 | 9,375,000 | 9,574,000 | 9,552,000 |
| Risk-weighted assets | 76,548,000 | 78,047,000 | 81,296,000 | 79,864,000 |