Call reports 2004
TRI-COUNTY BANK — 2004
What TRI-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 | 174,068,000 | 169,573,000 | 169,930,000 | 172,589,000 |
| Total loans | 106,283,000 | 107,899,000 | 112,730,000 | 115,165,000 |
| Allowance for loan losses | 1,514,000 | 1,431,000 | 1,435,000 | 1,427,000 |
| Securities available for sale | 40,438,000 | 37,158,000 | 33,491,000 | 32,812,000 |
| Securities held to maturity | 6,047,000 | 4,135,000 | 7,390,000 | 8,337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,993,000 | 148,836,000 | 149,488,000 | 151,802,000 |
| Interest-bearing deposits | 123,721,000 | 120,090,000 | 118,791,000 | 120,762,000 |
| Noninterest-bearing deposits | 27,272,000 | 28,746,000 | 30,697,000 | 31,040,000 |
| Equity capital | 17,577,000 | 17,332,000 | 16,900,000 | 17,205,000 |
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 | 2,232,000 | 4,477,000 | 6,748,000 | 9,043,000 |
| Interest expense | 722,000 | 1,425,000 | 2,129,000 | 2,822,000 |
| Net interest income | 1,510,000 | 3,052,000 | 4,619,000 | 6,221,000 |
| Noninterest income | 501,000 | 911,000 | 1,348,000 | 1,795,000 |
| Noninterest expense | 1,404,000 | 2,865,000 | 4,289,000 | 5,819,000 |
| Provision for loan losses | 0 | 0 | 160,000 | 160,000 |
| Pretax income | 607,000 | 1,098,000 | 1,518,000 | 2,037,000 |
| Income tax | 155,000 | 290,000 | 433,000 | 576,000 |
| Net income | 452,000 | 808,000 | 1,085,000 | 1,461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,783,000 | 16,895,000 | 16,279,000 | 16,660,000 |
| Total capital | 18,229,000 | 18,326,000 | 17,714,000 | 18,087,000 |
| Risk-weighted assets | 115,622,000 | 114,864,000 | 118,858,000 | 121,379,000 |