Call reports 2008
COMMUNITY BANK OF PICKENS COUNTY — 2008
What COMMUNITY BANK OF PICKENS COUNTY 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 | 280,430,000 | 284,600,000 | 286,375,000 | 283,841,000 |
| Total loans | 228,891,000 | 232,550,000 | 229,951,000 | 232,241,000 |
| Allowance for loan losses | 2,896,000 | 3,502,000 | 3,689,000 | 3,779,000 |
| Securities available for sale | 27,001,000 | 34,941,000 | 32,882,000 | 32,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,534,000 | 254,246,000 | 255,912,000 | 254,462,000 |
| Interest-bearing deposits | 236,636,000 | 241,126,000 | 244,264,000 | 244,473,000 |
| Noninterest-bearing deposits | 14,898,000 | 13,120,000 | 11,648,000 | 9,989,000 |
| Equity capital | 23,150,000 | 24,808,000 | 25,001,000 | 24,119,000 |
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 | 5,168,000 | 10,082,000 | 14,765,000 | 19,243,000 |
| Interest expense | 2,877,000 | 5,610,000 | 8,234,000 | 10,734,000 |
| Net interest income | 2,291,000 | 4,472,000 | 6,531,000 | 8,509,000 |
| Noninterest income | 286,000 | 557,000 | 841,000 | 1,095,000 |
| Noninterest expense | 1,331,000 | 2,777,000 | 4,197,000 | 5,536,000 |
| Provision for loan losses | 175,000 | 745,000 | 1,500,000 | 3,635,000 |
| Pretax income | 1,071,000 | 1,507,000 | 1,675,000 | 433,000 |
| Income tax | 357,000 | 483,000 | 499,000 | 58,000 |
| Net income | 714,000 | 1,024,000 | 1,176,000 | 375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,014,000 | 25,074,000 | 25,226,000 | 24,425,000 |
| Total capital | 25,910,000 | 28,087,000 | 28,207,000 | 27,424,000 |
| Risk-weighted assets | 237,859,000 | 240,575,000 | 237,789,000 | 239,147,000 |