Call reports 2012
ANDALUSIA COMMUNITY BANK — 2012
What ANDALUSIA COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 52,696,000 | 51,289,000 | 49,651,000 | 49,361,000 |
| Total loans | 24,114,000 | 25,296,000 | 25,926,000 | 24,913,000 |
| Allowance for loan losses | 229,000 | 454,000 | 479,000 | 787,000 |
| Securities available for sale | 15,767,000 | 15,280,000 | 14,626,000 | 14,255,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,710,000 | 44,649,000 | 42,992,000 | 43,094,000 |
| Interest-bearing deposits | 39,528,000 | 39,112,000 | 37,557,000 | 37,331,000 |
| Noninterest-bearing deposits | 6,182,000 | 5,537,000 | 5,435,000 | 5,763,000 |
| Equity capital | 6,406,000 | 6,148,000 | 6,185,000 | 6,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 506,000 | 1,010,000 | 1,472,000 | 1,950,000 |
| Interest expense | 115,000 | 213,000 | 298,000 | 373,000 |
| Net interest income | 391,000 | 797,000 | 1,174,000 | 1,577,000 |
| Noninterest income | 75,000 | 149,000 | 220,000 | 316,000 |
| Noninterest expense | 374,000 | 759,000 | 1,177,000 | 1,569,000 |
| Provision for loan losses | 25,000 | 600,000 | 645,000 | 938,000 |
| Pretax income | 69,000 | -411,000 | -426,000 | -612,000 |
| Income tax | 0 | -194,000 | -227,000 | -362,000 |
| Net income | 69,000 | -217,000 | -199,000 | -250,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,142,000 | 5,856,000 | 5,874,000 | 5,823,000 |
| Total capital | 6,371,000 | 6,183,000 | 6,193,000 | 6,133,000 |
| Risk-weighted assets | 26,252,000 | 26,070,000 | 25,364,000 | 24,347,000 |