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 | 229,379,000 | 227,551,000 | 228,283,000 | 187,947,000 |
| Total loans | 137,258,000 | 141,142,000 | 142,702,000 | 145,216,000 |
| Allowance for loan losses | 2,151,000 | 2,203,000 | 1,983,000 | 2,200,000 |
| Securities available for sale | 31,699,000 | 49,881,000 | 62,875,000 | 26,964,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 208,905,000 | 207,111,000 | 205,858,000 | 150,987,000 |
| Interest-bearing deposits | 194,076,000 | 190,889,000 | 190,737,000 | 135,592,000 |
| Noninterest-bearing deposits | 14,829,000 | 16,222,000 | 15,121,000 | 15,395,000 |
| Equity capital | 18,256,000 | 18,127,000 | 18,881,000 | 18,548,000 |
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 | 3,065,000 | 6,070,000 | 9,130,000 | 12,208,000 |
| Interest expense | 1,234,000 | 2,271,000 | 3,283,000 | 4,132,000 |
| Net interest income | 1,831,000 | 3,799,000 | 5,847,000 | 8,076,000 |
| Noninterest income | 283,000 | 577,000 | 881,000 | 1,240,000 |
| Noninterest expense | 1,013,000 | 1,933,000 | 3,063,000 | 4,308,000 |
| Provision for loan losses | 30,000 | 120,000 | 270,000 | 970,000 |
| Pretax income | 1,071,000 | 2,323,000 | 3,395,000 | 4,093,000 |
| Income tax | 5,000 | 28,000 | 34,000 | 38,000 |
| Net income | 1,066,000 | 2,295,000 | 3,361,000 | 4,055,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,701,000 | 17,988,000 | 18,640,000 | 18,118,000 |
| Total capital | 19,404,000 | 19,766,000 | 20,479,000 | 19,841,000 |
| Risk-weighted assets | 135,813,000 | 141,793,000 | 146,950,000 | 137,397,000 |