Call reports 2008
SCOTT COUNTY STATE BANK, THE — 2008
What SCOTT COUNTY STATE BANK, THE 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 | 151,653,000 | 149,199,000 | 151,861,000 | 154,391,000 |
| Total loans | 98,698,000 | 100,351,000 | 111,451,000 | 110,157,000 |
| Allowance for loan losses | 680,000 | 659,000 | 719,000 | 768,000 |
| Securities available for sale | 3,324,000 | 3,239,000 | 3,018,000 | 3,040,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,324,000 | 105,882,000 | 109,877,000 | 107,268,000 |
| Interest-bearing deposits | 80,898,000 | 81,681,000 | 86,779,000 | 84,962,000 |
| Noninterest-bearing deposits | 25,425,000 | 24,202,000 | 23,098,000 | 22,306,000 |
| Equity capital | 29,675,000 | 29,904,000 | 30,254,000 | 30,533,000 |
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 | 2,048,000 | 4,016,000 | 6,019,000 | 7,979,000 |
| Interest expense | 696,000 | 1,349,000 | 1,983,000 | 2,570,000 |
| Net interest income | 1,352,000 | 2,667,000 | 4,036,000 | 5,409,000 |
| Noninterest income | 225,000 | 449,000 | 695,000 | 930,000 |
| Noninterest expense | 1,038,000 | 2,152,000 | 3,189,000 | 4,248,000 |
| Provision for loan losses | 20,000 | 50,000 | 160,000 | 350,000 |
| Pretax income | 519,000 | 914,000 | 1,382,000 | 1,741,000 |
| Income tax | 162,000 | 283,000 | 429,000 | 537,000 |
| Net income | 357,000 | 631,000 | 953,000 | 1,204,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,518,000 | 11,898,000 | 12,318,000 | 12,665,000 |
| Total capital | 12,198,000 | 12,557,000 | 13,037,000 | 13,433,000 |
| Risk-weighted assets | 85,590,000 | 85,664,000 | 94,513,000 | 95,020,000 |