Call reports 2008
JACKSON COUNTY BANK — 2008
What JACKSON COUNTY 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 | 354,728,000 | 384,633,000 | 390,929,000 | 405,553,000 |
| Total loans | 281,612,000 | 297,920,000 | 313,765,000 | 306,226,000 |
| Allowance for loan losses | 2,268,000 | 2,409,000 | 2,538,000 | 2,584,000 |
| Securities available for sale | 37,205,000 | 34,889,000 | 44,003,000 | 53,523,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 447,000 | 433,000 | 407,000 | 332,000 |
| Total deposits | 265,290,000 | 292,873,000 | 296,197,000 | 302,422,000 |
| Interest-bearing deposits | 223,139,000 | 250,696,000 | 255,965,000 | 262,106,000 |
| Noninterest-bearing deposits | 42,151,000 | 42,177,000 | 40,232,000 | 40,316,000 |
| Equity capital | 34,827,000 | 34,367,000 | 35,058,000 | 35,348,000 |
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 | 5,311,000 | 10,605,000 | 15,986,000 | 21,357,000 |
| Interest expense | 2,173,000 | 4,081,000 | 6,204,000 | 8,364,000 |
| Net interest income | 3,138,000 | 6,524,000 | 9,782,000 | 12,993,000 |
| Noninterest income | 924,000 | 1,845,000 | 2,808,000 | 3,783,000 |
| Noninterest expense | 2,952,000 | 5,911,000 | 8,881,000 | 11,856,000 |
| Provision for loan losses | 150,000 | 400,000 | 725,000 | 900,000 |
| Pretax income | 992,000 | 2,090,000 | 3,021,000 | 4,057,000 |
| Income tax | 230,000 | 495,000 | 698,000 | 908,000 |
| Net income | 762,000 | 1,595,000 | 2,323,000 | 3,149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,426,000 | 34,334,000 | 35,062,000 | 35,288,000 |
| Total capital | 36,694,000 | 36,743,000 | 37,600,000 | 37,872,000 |
| Risk-weighted assets | 264,953,000 | 280,120,000 | 292,717,000 | 290,785,000 |