Call reports 2004
BANK OF PERRY COUNTY — 2004
What BANK OF PERRY COUNTY 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 | 78,494,000 | 78,541,000 | 76,823,000 | 77,230,000 |
| Total loans | 53,611,000 | 56,322,000 | 56,579,000 | 57,671,000 |
| Allowance for loan losses | 834,000 | 957,000 | 927,000 | 942,000 |
| Securities available for sale | 5,957,000 | 5,362,000 | 5,207,000 | 5,093,000 |
| Securities held to maturity | 3,251,000 | 6,707,000 | 6,971,000 | 6,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,872,000 | 63,216,000 | 61,406,000 | 61,244,000 |
| Interest-bearing deposits | 55,894,000 | 54,739,000 | 53,486,000 | 53,526,000 |
| Noninterest-bearing deposits | 6,978,000 | 8,477,000 | 7,920,000 | 7,718,000 |
| Equity capital | 13,759,000 | 13,026,000 | 13,127,000 | 13,510,000 |
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 | 1,179,000 | 2,413,000 | 3,657,000 | 4,925,000 |
| Interest expense | 267,000 | 541,000 | 791,000 | 1,057,000 |
| Net interest income | 912,000 | 1,872,000 | 2,866,000 | 3,868,000 |
| Noninterest income | 176,000 | 368,000 | 585,000 | 736,000 |
| Noninterest expense | 414,000 | 834,000 | 1,302,000 | 1,812,000 |
| Provision for loan losses | 94,000 | 193,000 | 261,000 | 421,000 |
| Pretax income | 580,000 | 1,213,000 | 1,888,000 | 2,371,000 |
| Income tax | 46,000 | 168,000 | 265,000 | 354,000 |
| Net income | 534,000 | 1,045,000 | 1,623,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,759,000 | 13,147,000 | 13,185,000 | 13,579,000 |
| Total capital | 14,373,000 | 13,807,000 | 13,838,000 | 14,251,000 |
| Risk-weighted assets | 48,917,000 | 52,509,000 | 51,978,000 | 53,508,000 |