Call reports 2008
CLARKE COUNTY STATE BANK — 2008
What CLARKE COUNTY STATE 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 | 145,586,000 | 142,007,000 | 142,357,000 | 147,917,000 |
| Total loans | 111,280,000 | 116,534,000 | 117,737,000 | 123,364,000 |
| Allowance for loan losses | 1,540,000 | 1,575,000 | 1,606,000 | 1,712,000 |
| Securities available for sale | 15,643,000 | 15,616,000 | 14,373,000 | 13,996,000 |
| Securities held to maturity | 1,934,000 | 1,220,000 | 1,125,000 | 1,125,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,765,000 | 111,715,000 | 109,173,000 | 106,995,000 |
| Interest-bearing deposits | 109,770,000 | 105,503,000 | 102,161,000 | 100,672,000 |
| Noninterest-bearing deposits | 5,995,000 | 6,212,000 | 7,012,000 | 6,323,000 |
| Equity capital | 11,610,000 | 11,905,000 | 12,072,000 | 12,123,000 |
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 | 2,213,000 | 4,416,000 | 6,505,000 | 8,563,000 |
| Interest expense | 1,089,000 | 2,082,000 | 3,027,000 | 3,928,000 |
| Net interest income | 1,124,000 | 2,334,000 | 3,478,000 | 4,635,000 |
| Noninterest income | 133,000 | 280,000 | 442,000 | 595,000 |
| Noninterest expense | 689,000 | 1,374,000 | 2,154,000 | 2,883,000 |
| Provision for loan losses | 85,000 | 129,000 | 168,000 | 573,000 |
| Pretax income | 504,000 | 1,132,000 | 1,618,000 | 1,794,000 |
| Income tax | 150,000 | 340,000 | 491,000 | 518,000 |
| Net income | 354,000 | 792,000 | 1,127,000 | 1,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,485,000 | 11,922,000 | 12,048,000 | 12,046,000 |
| Total capital | 12,878,000 | 13,356,000 | 13,457,000 | 13,544,000 |
| Risk-weighted assets | 110,983,000 | 114,611,000 | 114,592,000 | 119,586,000 |