Call reports 2008
BANK-OLDHAM COUNTY, INC, THE — 2008
What BANK-OLDHAM COUNTY, INC, THE 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 | 135,809,000 | 133,330,000 | 134,762,000 | 141,073,000 |
| Total loans | 66,209,000 | 66,643,000 | 66,624,000 | 68,903,000 |
| Allowance for loan losses | 1,199,000 | 1,201,000 | 1,302,000 | 1,327,000 |
| Securities available for sale | 55,821,000 | 52,724,000 | 49,086,000 | 48,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,957,000 | 112,734,000 | 109,079,000 | 115,912,000 |
| Interest-bearing deposits | 90,177,000 | 86,677,000 | 82,687,000 | 91,398,000 |
| Noninterest-bearing deposits | 23,780,000 | 26,057,000 | 26,392,000 | 24,514,000 |
| Equity capital | 14,380,000 | 13,652,000 | 13,729,000 | 14,637,000 |
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 | 1,877,000 | 3,611,000 | 5,321,000 | 7,018,000 |
| Interest expense | 471,000 | 859,000 | 1,259,000 | 1,620,000 |
| Net interest income | 1,406,000 | 2,752,000 | 4,062,000 | 5,398,000 |
| Noninterest income | 312,000 | 641,000 | 1,004,000 | 1,344,000 |
| Noninterest expense | 1,278,000 | 2,462,000 | 3,757,000 | 4,986,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 503,000 | 995,000 | 1,373,000 | 1,845,000 |
| Income tax | 140,000 | 273,000 | 367,000 | 497,000 |
| Net income | 363,000 | 722,000 | 1,006,000 | 1,348,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,567,000 | 13,776,000 | 13,860,000 | 14,202,000 |
| Total capital | 14,590,000 | 14,794,000 | 14,878,000 | 15,254,000 |
| Risk-weighted assets | 81,670,000 | 81,231,000 | 81,116,000 | 83,910,000 |