Call reports 2008
NEWTON COUNTY BANK — 2008
What NEWTON 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 | 155,202,000 | 149,682,000 | 153,822,000 | 152,996,000 |
| Total loans | 94,427,000 | 96,615,000 | 102,323,000 | 101,580,000 |
| Allowance for loan losses | 937,000 | 963,000 | 961,000 | 969,000 |
| Securities available for sale | 38,708,000 | 36,851,000 | 28,067,000 | 26,220,000 |
| Securities held to maturity | 5,526,000 | 5,398,000 | 13,033,000 | 13,122,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 134,588,000 | 130,607,000 | 128,650,000 | 129,272,000 |
| Interest-bearing deposits | 116,532,000 | 113,635,000 | 112,791,000 | 113,265,000 |
| Noninterest-bearing deposits | 18,056,000 | 16,972,000 | 15,859,000 | 16,007,000 |
| Equity capital | 18,127,000 | 16,212,000 | 17,072,000 | 17,053,000 |
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 | 2,472,000 | 4,782,000 | 7,136,000 | 9,399,000 |
| Interest expense | 1,036,000 | 1,806,000 | 2,430,000 | 3,054,000 |
| Net interest income | 1,436,000 | 2,976,000 | 4,706,000 | 6,345,000 |
| Noninterest income | 356,000 | 690,000 | 1,059,000 | 1,452,000 |
| Noninterest expense | 1,313,000 | 2,695,000 | 4,046,000 | 5,613,000 |
| Provision for loan losses | 35,000 | 60,000 | 80,000 | 110,000 |
| Pretax income | 444,000 | 911,000 | 1,639,000 | 2,081,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 444,000 | 911,000 | 1,639,000 | 2,081,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,315,000 | 17,482,000 | 17,911,000 | 18,052,000 |
| Total capital | 18,761,000 | 18,815,000 | 19,461,000 | 19,497,000 |
| Risk-weighted assets | 121,076,000 | 121,113,000 | 123,517,000 | 162,457,000 |