Call reports 2005
COMMUNITY BANK OF PICKENS COUNTY — 2005
What COMMUNITY BANK OF PICKENS COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 159,014,000 | 177,343,000 | 186,900,000 | 191,518,000 |
| Total loans | 128,196,000 | 141,649,000 | 153,651,000 | 158,820,000 |
| Allowance for loan losses | 1,400,000 | 1,457,000 | 1,462,000 | 1,754,000 |
| Securities available for sale | 22,649,000 | 23,003,000 | 22,973,000 | 23,515,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 139,558,000 | 158,244,000 | 168,012,000 | 172,441,000 |
| Interest-bearing deposits | 132,151,000 | 150,584,000 | 158,131,000 | 164,225,000 |
| Noninterest-bearing deposits | 7,407,000 | 7,660,000 | 9,881,000 | 8,216,000 |
| Equity capital | 13,729,000 | 14,399,000 | 14,110,000 | 14,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,499,000 | 5,236,000 | 8,279,000 | 11,640,000 |
| Interest expense | 924,000 | 2,070,000 | 3,449,000 | 5,085,000 |
| Net interest income | 1,575,000 | 3,166,000 | 4,830,000 | 6,555,000 |
| Noninterest income | 146,000 | 298,000 | 452,000 | 651,000 |
| Noninterest expense | 844,000 | 1,648,000 | 2,507,000 | 3,361,000 |
| Provision for loan losses | 132,000 | 192,000 | 343,000 | 643,000 |
| Pretax income | 745,000 | 1,624,000 | 2,432,000 | 3,202,000 |
| Income tax | 211,000 | 528,000 | 825,000 | 1,078,000 |
| Net income | 534,000 | 1,096,000 | 1,607,000 | 2,124,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,890,000 | 14,452,000 | 14,188,000 | 14,705,000 |
| Total capital | 15,290,000 | 15,909,000 | 15,650,000 | 16,459,000 |
| Risk-weighted assets | 121,122,000 | 134,533,000 | 145,508,000 | 149,976,000 |