Call reports 2008
BARTOW COUNTY BANK — 2008
What BARTOW COUNTY 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 | 381,782,000 | 407,226,000 | 427,358,000 | 419,398,000 |
| Total loans | 313,899,000 | 327,808,000 | 332,071,000 | 329,843,000 |
| Allowance for loan losses | 4,238,000 | 4,081,000 | 4,211,000 | 4,445,000 |
| Securities available for sale | 38,381,000 | 45,120,000 | 45,471,000 | 45,414,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 306,625,000 | 324,335,000 | 329,103,000 | 333,953,000 |
| Interest-bearing deposits | 295,489,000 | 307,394,000 | 314,982,000 | 323,180,000 |
| Noninterest-bearing deposits | 11,136,000 | 16,941,000 | 14,121,000 | 10,773,000 |
| Equity capital | 27,748,000 | 28,190,000 | 29,427,000 | 30,002,000 |
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 | 6,530,000 | 12,690,000 | 18,666,000 | 23,753,000 |
| Interest expense | 3,122,000 | 6,032,000 | 8,876,000 | 11,571,000 |
| Net interest income | 3,408,000 | 6,658,000 | 9,790,000 | 12,182,000 |
| Noninterest income | 708,000 | 1,490,000 | 2,288,000 | 3,130,000 |
| Noninterest expense | 2,802,000 | 5,688,000 | 8,103,000 | 11,081,000 |
| Provision for loan losses | 180,000 | 964,000 | 1,709,000 | 2,573,000 |
| Pretax income | 1,134,000 | 1,496,000 | 2,266,000 | 1,682,000 |
| Income tax | 317,000 | 448,000 | 711,000 | 448,000 |
| Net income | 817,000 | 1,048,000 | 1,555,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,860,000 | 29,345,000 | 29,604,000 | 29,374,000 |
| Total capital | 31,817,000 | 33,426,000 | 33,777,000 | 33,487,000 |
| Risk-weighted assets | 316,271,000 | 329,639,000 | 333,797,000 | 328,989,000 |