Call reports 2008
COUNTY BANK — 2008
What 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 | 353,449,000 | 332,159,000 | 355,500,000 | 389,272,000 |
| Total loans | 282,856,000 | 280,473,000 | 299,194,000 | 339,108,000 |
| Allowance for loan losses | 2,068,000 | 2,129,000 | 1,794,000 | 2,801,000 |
| Securities available for sale | 11,623,000 | 15,394,000 | 15,422,000 | 13,606,000 |
| Securities held to maturity | 1,756,000 | 1,756,000 | 1,756,000 | 1,156,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,221,000 | 287,548,000 | 279,585,000 | 302,882,000 |
| Interest-bearing deposits | 268,570,000 | 247,823,000 | 242,698,000 | 270,623,000 |
| Noninterest-bearing deposits | 36,651,000 | 39,725,000 | 36,887,000 | 32,259,000 |
| Equity capital | 39,202,000 | 36,538,000 | 32,452,000 | 33,402,000 |
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 | 5,553,000 | 10,677,000 | 15,564,000 | 20,822,000 |
| Interest expense | 2,214,000 | 4,078,000 | 5,549,000 | 7,298,000 |
| Net interest income | 3,339,000 | 6,599,000 | 10,015,000 | 13,524,000 |
| Noninterest income | 535,000 | 1,050,000 | 1,599,000 | 2,071,000 |
| Noninterest expense | 2,611,000 | 5,409,000 | 13,838,000 | 16,785,000 |
| Provision for loan losses | 75,000 | 150,000 | 235,000 | 1,585,000 |
| Pretax income | 1,188,000 | 2,090,000 | -2,459,000 | -2,780,000 |
| Income tax | 336,000 | 572,000 | -12,000 | -1,304,000 |
| Net income | 852,000 | 1,518,000 | -2,447,000 | -1,476,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,787,000 | 35,241,000 | 31,133,000 | 30,718,000 |
| Total capital | 39,903,000 | 37,417,000 | 32,972,000 | 33,569,000 |
| Risk-weighted assets | 288,749,000 | 284,802,000 | 303,049,000 | 337,419,000 |