Call reports 2008
BANK OF EDMONSON COUNTY — 2008
What BANK OF EDMONSON 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 | 193,108,000 | 192,680,000 | 191,024,000 | 191,643,000 |
| Total loans | 132,611,000 | 132,945,000 | 134,624,000 | 138,595,000 |
| Allowance for loan losses | 1,642,000 | 1,672,000 | 1,594,000 | 1,492,000 |
| Securities available for sale | 37,529,000 | 38,715,000 | 38,600,000 | 33,593,000 |
| Securities held to maturity | 10,224,000 | 8,948,000 | 8,533,000 | 8,535,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 157,188,000 | 154,426,000 | 154,588,000 | 155,537,000 |
| Interest-bearing deposits | 143,618,000 | 140,943,000 | 140,613,000 | 141,956,000 |
| Noninterest-bearing deposits | 13,570,000 | 13,483,000 | 13,975,000 | 13,581,000 |
| Equity capital | 20,501,000 | 19,817,000 | 20,007,000 | 20,683,000 |
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 | 3,371,000 | 6,555,000 | 9,642,000 | 12,688,000 |
| Interest expense | 1,776,000 | 3,445,000 | 4,987,000 | 6,478,000 |
| Net interest income | 1,595,000 | 3,110,000 | 4,655,000 | 6,210,000 |
| Noninterest income | 278,000 | 510,000 | 781,000 | 928,000 |
| Noninterest expense | 1,128,000 | 2,335,000 | 3,513,000 | 4,761,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 250,000 |
| Pretax income | 670,000 | 1,135,000 | 1,698,000 | 2,138,000 |
| Income tax | 58,000 | 48,000 | 48,000 | 48,000 |
| Net income | 612,000 | 1,087,000 | 1,650,000 | 2,090,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,681,000 | 19,736,000 | 19,880,000 | 19,899,000 |
| Total capital | 21,299,000 | 21,360,000 | 21,474,000 | 21,391,000 |
| Risk-weighted assets | 129,442,000 | 129,920,000 | 130,789,000 | 134,024,000 |