Call reports 2008
JACKSON COUNTY BANK — 2008
What JACKSON 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 | 127,512,000 | 126,484,000 | 126,460,000 | 126,534,000 |
| Total loans | 66,913,000 | 67,782,000 | 68,096,000 | 67,347,000 |
| Allowance for loan losses | 1,535,000 | 1,545,000 | 1,535,000 | 1,575,000 |
| Securities available for sale | 18,024,000 | 18,270,000 | 17,770,000 | 19,840,000 |
| Securities held to maturity | 34,754,000 | 34,680,000 | 34,875,000 | 33,739,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,401,000 | 99,132,000 | 98,558,000 | 99,344,000 |
| Interest-bearing deposits | 86,380,000 | 85,235,000 | 85,092,000 | 86,412,000 |
| Noninterest-bearing deposits | 14,020,000 | 13,897,000 | 13,466,000 | 12,932,000 |
| Equity capital | 25,367,000 | 25,701,000 | 26,245,000 | 26,433,000 |
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 | 2,007,000 | 3,986,000 | 5,952,000 | 7,888,000 |
| Interest expense | 782,000 | 1,502,000 | 2,161,000 | 2,779,000 |
| Net interest income | 1,225,000 | 2,484,000 | 3,791,000 | 5,109,000 |
| Noninterest income | 173,000 | 355,000 | 530,000 | 720,000 |
| Noninterest expense | 680,000 | 1,374,000 | 2,103,000 | 2,891,000 |
| Provision for loan losses | 66,000 | 127,000 | 177,000 | 318,000 |
| Pretax income | 652,000 | 1,338,000 | 2,041,000 | 2,623,000 |
| Income tax | 143,000 | 326,000 | 497,000 | 646,000 |
| Net income | 509,000 | 1,012,000 | 1,544,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,060,000 | 25,562,000 | 26,095,000 | 25,980,000 |
| Total capital | 25,959,000 | 26,468,000 | 27,001,000 | 26,876,000 |
| Risk-weighted assets | 71,323,000 | 71,844,000 | 71,873,000 | 71,027,000 |