Call reports 2011
ANDALUSIA COMMUNITY BANK — 2011
What ANDALUSIA COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 51,017,000 | 52,859,000 | 54,003,000 | 54,344,000 |
| Total loans | 23,840,000 | 24,054,000 | 25,301,000 | 24,428,000 |
| Allowance for loan losses | 207,000 | 217,000 | 226,000 | 269,000 |
| Securities available for sale | 12,784,000 | 13,993,000 | 15,711,000 | 16,690,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,824,000 | 46,233,000 | 46,082,000 | 46,243,000 |
| Interest-bearing deposits | 41,211,000 | 42,473,000 | 41,115,000 | 41,135,000 |
| Noninterest-bearing deposits | 3,613,000 | 3,760,000 | 4,967,000 | 5,108,000 |
| Equity capital | 5,919,000 | 6,050,000 | 6,235,000 | 6,343,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 547,000 | 1,084,000 | 1,653,000 | 2,192,000 |
| Interest expense | 157,000 | 314,000 | 461,000 | 596,000 |
| Net interest income | 390,000 | 770,000 | 1,192,000 | 1,596,000 |
| Noninterest income | 75,000 | 147,000 | 227,000 | 297,000 |
| Noninterest expense | 384,000 | 763,000 | 1,169,000 | 1,527,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 90,000 |
| Pretax income | 66,000 | 138,000 | 219,000 | 290,000 |
| Income tax | 0 | 2,000 | 5,000 | -19,000 |
| Net income | 66,000 | 136,000 | 214,000 | 309,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,829,000 | 5,900,000 | 5,978,000 | 6,073,000 |
| Total capital | 6,036,000 | 6,117,000 | 6,204,000 | 6,342,000 |
| Risk-weighted assets | 26,229,000 | 25,897,000 | 27,327,000 | 26,746,000 |