Call reports 2008
JOHNSON CITY BANK — 2008
What JOHNSON CITY 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 | 70,185,000 | 70,636,000 | 74,199,000 | 77,361,000 |
| Total loans | 54,145,000 | 55,732,000 | 57,559,000 | 59,140,000 |
| Allowance for loan losses | 236,000 | 253,000 | 276,000 | 427,000 |
| Securities available for sale | 2,001,000 | 0 | 0 | 0 |
| Securities held to maturity | 405,000 | 1,405,000 | 1,310,000 | 6,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,433,000 | 60,764,000 | 64,216,000 | 67,566,000 |
| Interest-bearing deposits | 46,241,000 | 45,726,000 | 50,462,000 | 52,253,000 |
| Noninterest-bearing deposits | 14,192,000 | 15,038,000 | 13,754,000 | 15,313,000 |
| Equity capital | 9,576,000 | 9,734,000 | 9,783,000 | 9,675,000 |
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 | 1,286,000 | 2,559,000 | 3,830,000 | 5,103,000 |
| Interest expense | 416,000 | 791,000 | 1,170,000 | 1,564,000 |
| Net interest income | 870,000 | 1,768,000 | 2,660,000 | 3,539,000 |
| Noninterest income | 93,000 | 176,000 | 255,000 | 338,000 |
| Noninterest expense | 581,000 | 1,142,000 | 1,734,000 | 2,318,000 |
| Provision for loan losses | 20,000 | 40,000 | 85,000 | 350,000 |
| Pretax income | 362,000 | 762,000 | 1,096,000 | 1,209,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 362,000 | 762,000 | 1,096,000 | 1,209,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,577,000 | 9,734,000 | 9,783,000 | 9,675,000 |
| Total capital | 9,640,000 | 9,799,000 | 9,850,000 | 9,743,000 |
| Risk-weighted assets | 49,992,000 | 51,494,000 | 53,286,000 | 54,508,000 |