Call reports 2008
JOHN O. MELBY & CO. BANK — 2008
What JOHN O. MELBY & CO. BANK 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 | 44,135,000 | 42,236,000 | 41,616,000 | 41,840,000 |
| Total loans | 27,045,000 | 26,997,000 | 26,945,000 | 27,226,000 |
| Allowance for loan losses | 288,000 | 291,000 | 325,000 | 342,000 |
| Securities available for sale | 7,264,000 | 6,161,000 | 5,672,000 | 5,490,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,536,000 | 34,960,000 | 34,296,000 | 34,495,000 |
| Interest-bearing deposits | 31,892,000 | 31,698,000 | 31,062,000 | 30,573,000 |
| Noninterest-bearing deposits | 3,644,000 | 3,262,000 | 3,234,000 | 3,922,000 |
| Equity capital | 7,253,000 | 7,173,000 | 7,214,000 | 7,250,000 |
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 | 656,000 | 1,264,000 | 1,876,000 | 2,428,000 |
| Interest expense | 264,000 | 496,000 | 687,000 | 864,000 |
| Net interest income | 392,000 | 768,000 | 1,189,000 | 1,564,000 |
| Noninterest income | 31,000 | 74,000 | 103,000 | 140,000 |
| Noninterest expense | 296,000 | 615,000 | 892,000 | 1,198,000 |
| Provision for loan losses | 2,000 | 10,000 | 45,000 | 76,000 |
| Pretax income | 125,000 | 217,000 | 355,000 | 430,000 |
| Income tax | 4,000 | 6,000 | 9,000 | 16,000 |
| Net income | 121,000 | 211,000 | 346,000 | 414,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,106,000 | 4,134,000 | 4,182,000 | 4,132,000 |
| Total capital | 4,394,000 | 4,425,000 | 4,507,000 | 4,458,000 |
| Risk-weighted assets | 26,667,000 | 25,836,000 | 26,405,000 | 26,069,000 |
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