Call reports 2008
STONE COUNTY NATIONAL BANK — 2008
What STONE COUNTY NATIONAL 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 | 94,871,000 | 95,041,000 | 94,567,000 | 97,479,000 |
| Total loans | 43,971,000 | 48,779,000 | 50,158,000 | 51,236,000 |
| Allowance for loan losses | 540,000 | 585,000 | 786,000 | 864,000 |
| Securities available for sale | 43,117,000 | 37,879,000 | 35,500,000 | 33,349,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,994,000 | 82,241,000 | 86,418,000 | 89,663,000 |
| Interest-bearing deposits | 73,721,000 | 69,716,000 | 74,286,000 | 77,507,000 |
| Noninterest-bearing deposits | 11,273,000 | 12,525,000 | 12,132,000 | 12,155,000 |
| Equity capital | 8,152,000 | 7,546,000 | 7,728,000 | 7,485,000 |
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 | 1,426,000 | 2,792,000 | 4,151,000 | 5,467,000 |
| Interest expense | 696,000 | 1,252,000 | 1,762,000 | 2,252,000 |
| Net interest income | 730,000 | 1,540,000 | 2,389,000 | 3,215,000 |
| Noninterest income | 128,000 | 265,000 | 389,000 | 522,000 |
| Noninterest expense | 564,000 | 1,169,000 | 1,775,000 | 2,392,000 |
| Provision for loan losses | 47,000 | 109,000 | 341,000 | 476,000 |
| Pretax income | 247,000 | 527,000 | 658,000 | 862,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 247,000 | 527,000 | 658,000 | 862,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,581,000 | 8,812,000 | 8,880,000 | 9,023,000 |
| Total capital | 9,121,000 | 9,397,000 | 9,655,000 | 9,824,000 |
| Risk-weighted assets | 57,747,000 | 61,259,000 | 61,957,000 | 63,267,000 |