Call reports 2004
PAYNE COUNTY BANK, THE — 2004
What PAYNE COUNTY BANK, 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 | 83,914,000 | 83,398,000 | 85,665,000 | 83,957,000 |
| Total loans | 53,735,000 | 53,434,000 | 53,321,000 | 54,397,000 |
| Allowance for loan losses | 534,000 | 534,000 | 523,000 | 409,000 |
| Securities available for sale | 21,050,000 | 22,328,000 | 23,457,000 | 21,384,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,546,000 | 68,855,000 | 70,267,000 | 68,876,000 |
| Interest-bearing deposits | 58,490,000 | 58,068,000 | 58,174,000 | 56,662,000 |
| Noninterest-bearing deposits | 10,056,000 | 10,787,000 | 12,093,000 | 12,214,000 |
| Equity capital | 14,920,000 | 14,208,000 | 14,863,000 | 14,951,000 |
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 | 1,279,000 | 2,524,000 | 3,777,000 | 5,025,000 |
| Interest expense | 221,000 | 438,000 | 661,000 | 898,000 |
| Net interest income | 1,058,000 | 2,086,000 | 3,116,000 | 4,127,000 |
| Noninterest income | 213,000 | 422,000 | 644,000 | 846,000 |
| Noninterest expense | 712,000 | 1,292,000 | 1,918,000 | 2,989,000 |
| Provision for loan losses | 115,000 | 150,000 | 180,000 | 180,000 |
| Pretax income | 444,000 | 1,066,000 | 1,662,000 | 1,768,000 |
| Income tax | 125,000 | 303,000 | 472,000 | 426,000 |
| Net income | 319,000 | 763,000 | 1,190,000 | 1,342,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,532,000 | 14,226,000 | 14,653,000 | 14,805,000 |
| Total capital | 15,066,000 | 14,760,000 | 15,176,000 | 15,214,000 |
| Risk-weighted assets | 58,931,000 | 58,613,000 | 58,470,000 | 60,871,000 |