Call reports 2004
COUNTRY BANK — 2004
What COUNTRY 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 | 315,466,000 | 305,193,000 | 304,689,000 | 338,873,000 |
| Total loans | 169,334,000 | 168,337,000 | 180,212,000 | 197,952,000 |
| Allowance for loan losses | 933,000 | 1,022,000 | 1,101,000 | 1,197,000 |
| Securities available for sale | 19,790,000 | 18,455,000 | 5,349,000 | 4,662,000 |
| Securities held to maturity | 114,328,000 | 102,465,000 | 103,219,000 | 126,873,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 283,903,000 | 287,888,000 | 285,337,000 | 286,632,000 |
| Interest-bearing deposits | 238,483,000 | 238,102,000 | 236,691,000 | 237,260,000 |
| Noninterest-bearing deposits | 45,420,000 | 49,786,000 | 48,646,000 | 49,372,000 |
| Equity capital | 15,757,000 | 15,766,000 | 17,042,000 | 24,272,000 |
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 | 3,508,000 | 6,838,000 | 10,293,000 | 14,275,000 |
| Interest expense | 1,373,000 | 2,705,000 | 4,073,000 | 5,523,000 |
| Net interest income | 2,135,000 | 4,133,000 | 6,220,000 | 8,752,000 |
| Noninterest income | 280,000 | 549,000 | 811,000 | 1,090,000 |
| Noninterest expense | 1,803,000 | 3,618,000 | 5,382,000 | 7,196,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 300,000 |
| Pretax income | 587,000 | 969,000 | 1,477,000 | 2,399,000 |
| Income tax | 253,000 | 404,000 | 616,000 | 1,012,000 |
| Net income | 334,000 | 565,000 | 861,000 | 1,387,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,866,000 | 15,938,000 | 17,175,000 | 24,389,000 |
| Total capital | 16,799,000 | 16,960,000 | 18,276,000 | 25,586,000 |
| Risk-weighted assets | 158,512,000 | 158,907,000 | 162,567,000 | 180,425,000 |