Call reports 2008
ANDALUSIA COMMUNITY BANK — 2008
What ANDALUSIA COMMUNITY 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 | 28,270,000 | 28,395,000 | 29,771,000 | 31,408,000 |
| Total loans | 14,349,000 | 15,116,000 | 15,494,000 | 15,880,000 |
| Allowance for loan losses | 125,000 | 130,000 | 130,000 | 143,000 |
| Securities available for sale | 8,762,000 | 8,837,000 | 9,124,000 | 9,128,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,948,000 | 23,105,000 | 24,388,000 | 25,596,000 |
| Interest-bearing deposits | 19,760,000 | 20,248,000 | 21,052,000 | 22,584,000 |
| Noninterest-bearing deposits | 3,188,000 | 2,857,000 | 3,335,000 | 3,012,000 |
| Equity capital | 4,913,000 | 4,858,000 | 4,999,000 | 5,166,000 |
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 | 437,000 | 879,000 | 1,327,000 | 1,806,000 |
| Interest expense | 171,000 | 326,000 | 473,000 | 616,000 |
| Net interest income | 266,000 | 553,000 | 854,000 | 1,190,000 |
| Noninterest income | 72,000 | 129,000 | 196,000 | 250,000 |
| Noninterest expense | 215,000 | 429,000 | 622,000 | 866,000 |
| Provision for loan losses | 0 | 5,000 | 20,000 | 35,000 |
| Pretax income | 152,000 | 280,000 | 440,000 | 576,000 |
| Income tax | 37,000 | 72,000 | 117,000 | 147,000 |
| Net income | 115,000 | 208,000 | 323,000 | 429,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,808,000 | 4,901,000 | 5,016,000 | 5,122,000 |
| Total capital | 4,933,000 | 5,031,000 | 5,146,000 | 5,265,000 |
| Risk-weighted assets | 15,905,000 | 16,353,000 | 17,453,000 | 17,816,000 |