Call reports 2008
BANK OF WALKER COUNTY — 2008
What BANK OF WALKER COUNTY 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 | 72,313,000 | 70,852,000 | 74,750,000 | 74,920,000 |
| Total loans | 51,996,000 | 52,982,000 | 52,129,000 | 54,360,000 |
| Allowance for loan losses | 579,000 | 617,000 | 544,000 | 335,000 |
| Securities available for sale | 13,775,000 | 12,564,000 | 16,107,000 | 12,202,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,427,000 | 52,905,000 | 57,513,000 | 57,761,000 |
| Interest-bearing deposits | 47,170,000 | 44,726,000 | 49,583,000 | 51,303,000 |
| Noninterest-bearing deposits | 8,257,000 | 8,179,000 | 7,930,000 | 6,458,000 |
| Equity capital | 8,588,000 | 8,655,000 | 8,877,000 | 8,909,000 |
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 | 1,157,000 | 2,276,000 | 3,359,000 | 4,422,000 |
| Interest expense | 543,000 | 990,000 | 1,444,000 | 1,906,000 |
| Net interest income | 614,000 | 1,286,000 | 1,915,000 | 2,516,000 |
| Noninterest income | 114,000 | 240,000 | 394,000 | 536,000 |
| Noninterest expense | 559,000 | 1,077,000 | 1,612,000 | 2,130,000 |
| Provision for loan losses | 49,000 | 98,000 | 150,000 | 244,000 |
| Pretax income | 120,000 | 351,000 | 547,000 | 678,000 |
| Income tax | 41,000 | 106,000 | 165,000 | 203,000 |
| Net income | 79,000 | 245,000 | 382,000 | 475,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,568,000 | 8,739,000 | 8,880,000 | 8,978,000 |
| Total capital | 9,147,000 | 9,356,000 | 9,424,000 | 9,313,000 |
| Risk-weighted assets | 54,231,000 | 54,698,000 | 55,613,000 | 56,588,000 |