Call reports 2008
COUNTRY BANK — 2008
What COUNTRY 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 | 493,106,000 | 487,892,000 | 519,715,000 | 520,101,000 |
| Total loans | 356,232,000 | 357,174,000 | 387,099,000 | 386,652,000 |
| Allowance for loan losses | 2,511,000 | 2,663,000 | 2,815,000 | 2,683,000 |
| Securities available for sale | 16,000 | 760,000 | 2,001,000 | 13,028,000 |
| Securities held to maturity | 107,616,000 | 110,862,000 | 92,119,000 | 78,922,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 387,461,000 | 399,468,000 | 429,965,000 | 428,991,000 |
| Interest-bearing deposits | 336,558,000 | 346,762,000 | 380,999,000 | 380,583,000 |
| Noninterest-bearing deposits | 50,903,000 | 52,706,000 | 48,966,000 | 48,408,000 |
| Equity capital | 31,184,000 | 31,564,000 | 32,621,000 | 32,157,000 |
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 | 7,867,000 | 15,713,000 | 24,152,000 | 32,074,000 |
| Interest expense | 3,826,000 | 7,535,000 | 11,498,000 | 15,494,000 |
| Net interest income | 4,041,000 | 8,178,000 | 12,654,000 | 16,580,000 |
| Noninterest income | 193,000 | 389,000 | 819,000 | 1,008,000 |
| Noninterest expense | 2,755,000 | 5,476,000 | 8,445,000 | 11,358,000 |
| Provision for loan losses | 160,000 | 310,000 | 460,000 | 322,000 |
| Pretax income | 1,319,000 | 2,781,000 | 4,568,000 | 3,815,000 |
| Income tax | 542,000 | 1,124,000 | 1,854,000 | 1,528,000 |
| Net income | 777,000 | 1,657,000 | 2,714,000 | 2,287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,184,000 | 31,564,000 | 32,621,000 | 32,093,000 |
| Total capital | 33,713,000 | 34,227,000 | 35,447,000 | 34,782,000 |
| Risk-weighted assets | 330,983,000 | 329,231,000 | 346,571,000 | 373,994,000 |