Call reports 2004
COMMUNITY BANK OF PICKENS COUNTY — 2004
What COMMUNITY BANK OF PICKENS 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 | 128,478,000 | 139,905,000 | 147,983,000 | 152,783,000 |
| Total loans | 98,901,000 | 106,361,000 | 115,796,000 | 120,859,000 |
| Allowance for loan losses | 1,199,000 | 1,287,000 | 1,378,000 | 1,438,000 |
| Securities available for sale | 23,337,000 | 24,043,000 | 25,045,000 | 24,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,708,000 | 125,379,000 | 130,380,000 | 134,745,000 |
| Interest-bearing deposits | 107,536,000 | 119,596,000 | 123,232,000 | 127,033,000 |
| Noninterest-bearing deposits | 6,172,000 | 5,783,000 | 7,148,000 | 7,712,000 |
| Equity capital | 12,179,000 | 12,095,000 | 13,012,000 | 13,515,000 |
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 | 1,906,000 | 3,963,000 | 6,174,000 | 8,519,000 |
| Interest expense | 595,000 | 1,246,000 | 1,993,000 | 2,841,000 |
| Net interest income | 1,311,000 | 2,717,000 | 4,181,000 | 5,678,000 |
| Noninterest income | 119,000 | 255,000 | 394,000 | 564,000 |
| Noninterest expense | 635,000 | 1,318,000 | 2,063,000 | 2,783,000 |
| Provision for loan losses | 40,000 | 140,000 | 245,000 | 325,000 |
| Pretax income | 755,000 | 1,514,000 | 2,267,000 | 3,134,000 |
| Income tax | 287,000 | 570,000 | 848,000 | 1,170,000 |
| Net income | 468,000 | 944,000 | 1,419,000 | 1,964,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,009,000 | 12,485,000 | 12,962,000 | 13,506,000 |
| Total capital | 13,208,000 | 13,772,000 | 14,340,000 | 14,922,000 |
| Risk-weighted assets | 97,129,000 | 110,985,000 | 116,109,000 | 113,259,000 |