Call reports 2004
CHESTATEE STATE BANK — 2004
What CHESTATEE 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 | 235,761,000 | 236,702,000 | 244,616,000 | 250,575,000 |
| Total loans | 177,899,000 | 177,011,000 | 183,350,000 | 197,444,000 |
| Allowance for loan losses | 3,373,000 | 3,347,000 | 3,198,000 | 3,620,000 |
| Securities available for sale | 33,439,000 | 32,222,000 | 31,326,000 | 29,838,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,739,000 | 188,824,000 | 195,492,000 | 200,916,000 |
| Interest-bearing deposits | 168,416,000 | 166,569,000 | 171,794,000 | 179,142,000 |
| Noninterest-bearing deposits | 19,323,000 | 22,255,000 | 23,699,000 | 21,774,000 |
| Equity capital | 21,206,000 | 20,979,000 | 21,922,000 | 22,380,000 |
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 | 3,091,000 | 6,153,000 | 9,332,000 | 12,826,000 |
| Interest expense | 937,000 | 1,881,000 | 2,861,000 | 3,970,000 |
| Net interest income | 2,154,000 | 4,272,000 | 6,471,000 | 8,856,000 |
| Noninterest income | 289,000 | 549,000 | 785,000 | 1,044,000 |
| Noninterest expense | 1,688,000 | 3,397,000 | 5,073,000 | 6,799,000 |
| Provision for loan losses | 252,000 | 317,000 | 334,000 | 610,000 |
| Pretax income | 503,000 | 1,115,000 | 1,852,000 | 2,494,000 |
| Income tax | 181,000 | 403,000 | 661,000 | 852,000 |
| Net income | 322,000 | 712,000 | 1,191,000 | 1,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,239,000 | 21,629,000 | 22,107,000 | 22,559,000 |
| Total capital | 23,721,000 | 24,088,000 | 24,659,000 | 25,261,000 |
| Risk-weighted assets | 197,721,000 | 195,755,000 | 203,540,000 | 215,237,000 |