Call reports 2004
TRI-COUNTY NATIONAL BANK — 2004
What TRI-COUNTY NATIONAL 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 | 89,777,000 | 90,961,000 | 87,820,000 | 88,892,000 |
| Total loans | 61,727,000 | 61,470,000 | 62,848,000 | 65,182,000 |
| Allowance for loan losses | 978,000 | 977,000 | 995,000 | 1,018,000 |
| Securities available for sale | 21,750,000 | 21,307,000 | 18,282,000 | 16,965,000 |
| Securities held to maturity | 597,000 | 495,000 | 495,000 | 496,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,550,000 | 79,256,000 | 75,144,000 | 75,231,000 |
| Interest-bearing deposits | 69,907,000 | 65,664,000 | 64,116,000 | 64,665,000 |
| Noninterest-bearing deposits | 9,643,000 | 13,592,000 | 11,028,000 | 10,566,000 |
| Equity capital | 8,311,000 | 7,967,000 | 8,281,000 | 8,347,000 |
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 | 1,278,000 | 2,528,000 | 3,764,000 | 5,002,000 |
| Interest expense | 323,000 | 623,000 | 905,000 | 1,212,000 |
| Net interest income | 955,000 | 1,905,000 | 2,859,000 | 3,790,000 |
| Noninterest income | 170,000 | 337,000 | 495,000 | 622,000 |
| Noninterest expense | 662,000 | 1,354,000 | 2,111,000 | 2,816,000 |
| Provision for loan losses | 36,000 | 55,000 | 99,000 | 118,000 |
| Pretax income | 560,000 | 986,000 | 1,406,000 | 1,743,000 |
| Income tax | 183,000 | 324,000 | 463,000 | 576,000 |
| Net income | 377,000 | 662,000 | 943,000 | 1,167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,863,000 | 7,952,000 | 8,090,000 | 8,238,000 |
| Total capital | 8,469,000 | 8,570,000 | 8,709,000 | 8,864,000 |
| Risk-weighted assets | 48,135,000 | 49,078,000 | 49,156,000 | 49,671,000 |