Call reports 2004
BANK OF TUSCALOOSA, THE — 2004
What BANK OF TUSCALOOSA, THE 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 | 315,127,000 | 321,200,000 | 347,380,000 | 343,288,000 |
| Total loans | 268,743,000 | 273,957,000 | 287,632,000 | 295,909,000 |
| Allowance for loan losses | 4,459,000 | 4,480,000 | 4,651,000 | 4,957,000 |
| Securities available for sale | 33,186,000 | 32,117,000 | 33,671,000 | 33,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 259,334,000 | 263,902,000 | 281,622,000 | 269,798,000 |
| Interest-bearing deposits | 215,184,000 | 221,007,000 | 236,939,000 | 223,283,000 |
| Noninterest-bearing deposits | 44,150,000 | 42,895,000 | 44,683,000 | 46,515,000 |
| Equity capital | 28,002,000 | 27,741,000 | 29,146,000 | 29,981,000 |
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 | 3,946,000 | 8,017,000 | 12,320,000 | 16,901,000 |
| Interest expense | 818,000 | 1,592,000 | 2,479,000 | 3,485,000 |
| Net interest income | 3,128,000 | 6,425,000 | 9,841,000 | 13,416,000 |
| Noninterest income | 726,000 | 1,483,000 | 2,241,000 | 3,006,000 |
| Noninterest expense | 2,190,000 | 4,154,000 | 6,155,000 | 8,180,000 |
| Provision for loan losses | 450,000 | 900,000 | 1,350,000 | 1,800,000 |
| Pretax income | 1,214,000 | 2,854,000 | 4,577,000 | 6,442,000 |
| Income tax | 392,000 | 946,000 | 1,533,000 | 2,178,000 |
| Net income | 822,000 | 1,908,000 | 3,044,000 | 4,264,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,440,000 | 27,728,000 | 28,820,000 | 29,853,000 |
| Total capital | 31,194,000 | 31,592,000 | 32,918,000 | 34,062,000 |
| Risk-weighted assets | 299,651,000 | 308,525,000 | 327,291,000 | 335,991,000 |