Call reports 2011
COMMUNITY BANK, DESTIN — 2011
What COMMUNITY BANK, DESTIN 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 | 80,257,000 | 82,595,000 | 84,051,000 | 82,804,000 |
| Total loans | 53,862,000 | 55,457,000 | 54,688,000 | 59,105,000 |
| Allowance for loan losses | 650,000 | 671,000 | 681,000 | 737,000 |
| Securities available for sale | 10,025,000 | 10,580,000 | 9,248,000 | 8,609,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,006,000 | 73,037,000 | 74,208,000 | 73,120,000 |
| Interest-bearing deposits | 60,859,000 | 60,313,000 | 61,947,000 | 61,745,000 |
| Noninterest-bearing deposits | 10,147,000 | 12,724,000 | 12,261,000 | 11,375,000 |
| Equity capital | 8,813,000 | 9,017,000 | 9,237,000 | 9,282,000 |
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 | 824,000 | 1,697,000 | 2,590,000 | 3,498,000 |
| Interest expense | 238,000 | 456,000 | 654,000 | 825,000 |
| Net interest income | 586,000 | 1,241,000 | 1,936,000 | 2,673,000 |
| Noninterest income | 31,000 | 156,000 | 195,000 | 226,000 |
| Noninterest expense | 668,000 | 1,344,000 | 2,008,000 | 2,637,000 |
| Provision for loan losses | 29,000 | 50,000 | 60,000 | 116,000 |
| Pretax income | -80,000 | 19,000 | 100,000 | 186,000 |
| Income tax | -28,000 | 1,000 | 26,000 | 54,000 |
| Net income | -52,000 | 18,000 | 74,000 | 132,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,249,000 | 6,447,000 | 6,691,000 | 6,854,000 |
| Total capital | 6,883,000 | 7,107,000 | 7,342,000 | 7,543,000 |
| Risk-weighted assets | 50,710,000 | 52,778,000 | 52,067,000 | 55,094,000 |