Call reports 2008
BANK OF THE LOWCOUNTRY — 2008
What BANK OF THE LOWCOUNTRY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 167,639,000 | 167,289,000 | 160,505,000 | 164,575,000 |
| Total loans | 112,590,000 | 109,889,000 | 113,816,000 | 113,704,000 |
| Allowance for loan losses | 1,986,000 | 1,958,000 | 1,875,000 | 1,981,000 |
| Securities available for sale | 31,656,000 | 34,660,000 | 32,406,000 | 27,815,000 |
| Securities held to maturity | 1,319,000 | 1,319,000 | 1,320,000 | 1,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,589,000 | 148,959,000 | 141,557,000 | 145,758,000 |
| Interest-bearing deposits | 131,219,000 | 132,727,000 | 127,573,000 | 130,062,000 |
| Noninterest-bearing deposits | 17,370,000 | 16,232,000 | 13,984,000 | 15,696,000 |
| Equity capital | 16,834,000 | 16,871,000 | 17,328,000 | 17,640,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,589,000 | 5,060,000 | 7,538,000 | 9,930,000 |
| Interest expense | 1,199,000 | 2,300,000 | 3,220,000 | 4,211,000 |
| Net interest income | 1,390,000 | 2,760,000 | 4,318,000 | 5,719,000 |
| Noninterest income | 214,000 | 436,000 | 640,000 | 837,000 |
| Noninterest expense | 957,000 | 1,939,000 | 2,931,000 | 3,965,000 |
| Provision for loan losses | 75,000 | 100,000 | 175,000 | 400,000 |
| Pretax income | 572,000 | 1,157,000 | 1,852,000 | 2,191,000 |
| Income tax | 177,000 | 359,000 | 584,000 | 699,000 |
| Net income | 395,000 | 798,000 | 1,268,000 | 1,492,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,642,000 | 17,046,000 | 17,516,000 | 17,564,000 |
| Total capital | 18,197,000 | 18,584,000 | 19,080,000 | 19,128,000 |
| Risk-weighted assets | 124,013,000 | 122,648,000 | 124,845,000 | 124,949,000 |
Machine access — free, no API key
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