Call reports 2008
DESOTO COUNTY BANK — 2008
What DESOTO 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 | 38,343,000 | 41,558,000 | 45,951,000 | 47,882,000 |
| Total loans | 29,123,000 | 32,455,000 | 36,288,000 | 40,178,000 |
| Allowance for loan losses | 425,000 | 467,000 | 515,000 | 752,000 |
| Securities available for sale | 6,937,000 | 6,203,000 | 5,987,000 | 5,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,836,000 | 29,820,000 | 34,765,000 | 34,772,000 |
| Interest-bearing deposits | 23,268,000 | 25,977,000 | 31,598,000 | 32,446,000 |
| Noninterest-bearing deposits | 2,568,000 | 3,843,000 | 3,167,000 | 2,326,000 |
| Equity capital | 7,836,000 | 7,608,000 | 7,450,000 | 7,216,000 |
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 | 590,000 | 1,186,000 | 1,845,000 | 2,518,000 |
| Interest expense | 272,000 | 527,000 | 815,000 | 1,105,000 |
| Net interest income | 318,000 | 659,000 | 1,030,000 | 1,413,000 |
| Noninterest income | 33,000 | 78,000 | 126,000 | 169,000 |
| Noninterest expense | 491,000 | 967,000 | 1,428,000 | 1,895,000 |
| Provision for loan losses | 46,000 | 91,000 | 153,000 | 395,000 |
| Pretax income | -186,000 | -321,000 | -425,000 | -708,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -186,000 | -321,000 | -425,000 | -708,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,675,000 | 7,571,000 | 7,500,000 | 7,251,000 |
| Total capital | 8,086,000 | 7,996,000 | 7,989,000 | 7,753,000 |
| Risk-weighted assets | 32,864,000 | 36,006,000 | 39,121,000 | 47,954,000 |