Call reports 2004
MAROA FORSYTH COMMUNITY BANK — 2004
What MAROA FORSYTH COMMUNITY 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 | 19,823,000 | 22,729,000 | 26,677,000 | 22,690,000 |
| Total loans | 10,440,000 | 10,533,000 | 11,083,000 | 11,038,000 |
| Allowance for loan losses | 108,000 | 108,000 | 108,000 | 108,000 |
| Securities available for sale | 7,018,000 | 7,188,000 | 13,130,000 | 7,494,000 |
| Securities held to maturity | 70,000 | 68,000 | 66,000 | 64,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,521,000 | 19,299,000 | 17,335,000 | 18,533,000 |
| Interest-bearing deposits | 14,230,000 | 16,139,000 | 12,846,000 | 13,345,000 |
| Noninterest-bearing deposits | 2,291,000 | 3,160,000 | 4,489,000 | 5,188,000 |
| Equity capital | 2,546,000 | 2,362,000 | 2,493,000 | 2,498,000 |
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 | 277,000 | 553,000 | 841,000 | 1,149,000 |
| Interest expense | 54,000 | 102,000 | 151,000 | 207,000 |
| Net interest income | 223,000 | 451,000 | 690,000 | 942,000 |
| Noninterest income | 55,000 | 115,000 | 171,000 | 236,000 |
| Noninterest expense | 238,000 | 479,000 | 721,000 | 977,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 40,000 | 87,000 | 140,000 | 201,000 |
| Income tax | -3,000 | -3,000 | -3,000 | -3,000 |
| Net income | 43,000 | 90,000 | 143,000 | 204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,219,000 | 2,206,000 | 2,227,000 | 2,281,000 |
| Total capital | 2,327,000 | 2,314,000 | 2,335,000 | 2,389,000 |
| Risk-weighted assets | 11,230,000 | 12,061,000 | 13,244,000 | 12,549,000 |