Call reports 2008
TRI-COUNTY BANK — 2008
What TRI-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 | 54,642,000 | 52,795,000 | 54,084,000 | 50,886,000 |
| Total loans | 46,846,000 | 43,735,000 | 44,584,000 | 41,630,000 |
| Allowance for loan losses | 392,000 | 418,000 | 445,000 | 450,000 |
| Securities available for sale | 1,511,000 | 1,997,000 | 1,504,000 | 1,793,000 |
| Securities held to maturity | 713,000 | 713,000 | 712,000 | 712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,528,000 | 35,725,000 | 36,899,000 | 37,476,000 |
| Interest-bearing deposits | 33,160,000 | 32,033,000 | 33,761,000 | 34,675,000 |
| Noninterest-bearing deposits | 3,368,000 | 3,692,000 | 3,138,000 | 2,801,000 |
| Equity capital | 4,983,000 | 4,980,000 | 5,032,000 | 5,034,000 |
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 | 875,000 | 1,706,000 | 2,524,000 | 3,290,000 |
| Interest expense | 539,000 | 997,000 | 1,371,000 | 1,727,000 |
| Net interest income | 336,000 | 709,000 | 1,153,000 | 1,563,000 |
| Noninterest income | 75,000 | 143,000 | 189,000 | 259,000 |
| Noninterest expense | 405,000 | 812,000 | 1,206,000 | 1,597,000 |
| Provision for loan losses | 76,000 | 103,000 | 129,000 | 255,000 |
| Pretax income | -70,000 | -63,000 | 7,000 | -30,000 |
| Income tax | -25,000 | -24,000 | -1,000 | -14,000 |
| Net income | -45,000 | -39,000 | 8,000 | -16,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,976,000 | 4,982,000 | 5,029,000 | 5,005,000 |
| Total capital | 5,368,000 | 5,400,000 | 5,474,000 | 5,455,000 |
| Risk-weighted assets | 43,741,000 | 42,151,000 | 42,725,000 | 41,510,000 |