Call reports 2008
CALHOUN COUNTY BANK, INC. — 2008
What CALHOUN COUNTY BANK, INC. 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 | 96,339,000 | 96,242,000 | 100,000,000 | 98,617,000 |
| Total loans | 70,843,000 | 74,143,000 | 77,323,000 | 79,417,000 |
| Allowance for loan losses | 918,000 | 873,000 | 800,000 | 1,019,000 |
| Securities available for sale | 6,515,000 | 6,918,000 | 5,857,000 | 4,337,000 |
| Securities held to maturity | 696,000 | 697,000 | 597,000 | 597,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,355,000 | 86,376,000 | 89,689,000 | 88,350,000 |
| Interest-bearing deposits | 65,162,000 | 64,534,000 | 66,709,000 | 66,876,000 |
| Noninterest-bearing deposits | 21,193,000 | 21,842,000 | 22,980,000 | 21,474,000 |
| Equity capital | 8,809,000 | 8,884,000 | 9,214,000 | 9,163,000 |
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 | 1,534,000 | 3,075,000 | 4,626,000 | 6,137,000 |
| Interest expense | 513,000 | 977,000 | 1,411,000 | 1,823,000 |
| Net interest income | 1,021,000 | 2,098,000 | 3,215,000 | 4,314,000 |
| Noninterest income | 212,000 | 429,000 | 677,000 | 1,140,000 |
| Noninterest expense | 871,000 | 1,775,000 | 2,660,000 | 3,879,000 |
| Provision for loan losses | 20,000 | 20,000 | 20,000 | 55,000 |
| Pretax income | 342,000 | 732,000 | 1,200,000 | 1,532,000 |
| Income tax | 129,000 | 270,000 | 445,000 | 434,000 |
| Net income | 213,000 | 462,000 | 755,000 | 1,098,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,799,000 | 8,906,000 | 9,200,000 | 9,145,000 |
| Total capital | 9,578,000 | 9,711,000 | 10,000,000 | 9,990,000 |
| Risk-weighted assets | 62,182,000 | 64,343,000 | 66,594,000 | 67,395,000 |