Call reports 2003
COMMUNITY BANK OF PICKENS COUNTY — 2003
What COMMUNITY BANK OF PICKENS COUNTY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 89,284,000 | 97,279,000 | 118,879,000 | 119,358,000 |
| Total loans | 67,612,000 | 73,007,000 | 87,696,000 | 90,954,000 |
| Allowance for loan losses | 762,000 | 848,000 | 1,116,000 | 1,163,000 |
| Securities available for sale | 10,765,000 | 13,720,000 | 18,280,000 | 20,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,464,000 | 83,881,000 | 105,061,000 | 105,539,000 |
| Interest-bearing deposits | 72,880,000 | 80,028,000 | 100,584,000 | 99,608,000 |
| Noninterest-bearing deposits | 3,584,000 | 3,853,000 | 4,477,000 | 5,931,000 |
| Equity capital | 10,607,000 | 10,960,000 | 11,098,000 | 11,618,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,296,000 | 2,786,000 | 4,536,000 | 6,442,000 |
| Interest expense | 453,000 | 963,000 | 1,499,000 | 2,083,000 |
| Net interest income | 843,000 | 1,823,000 | 3,037,000 | 4,359,000 |
| Noninterest income | 108,000 | 215,000 | 318,000 | 437,000 |
| Noninterest expense | 513,000 | 1,076,000 | 1,660,000 | 2,243,000 |
| Provision for loan losses | 116,000 | 233,000 | 508,000 | 558,000 |
| Pretax income | 322,000 | 804,000 | 1,262,000 | 2,070,000 |
| Income tax | 118,000 | 294,000 | 459,000 | 762,000 |
| Net income | 204,000 | 510,000 | 803,000 | 1,308,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,512,000 | 10,818,000 | 11,111,000 | 11,616,000 |
| Total capital | 11,274,000 | 11,666,000 | 12,189,000 | 12,734,000 |
| Risk-weighted assets | 66,460,000 | 72,852,000 | 86,198,000 | 89,368,000 |