Call reports 2012
COMMUNITY BANK, DESTIN — 2012
What COMMUNITY BANK, DESTIN 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 | 87,051,000 | 87,934,000 | 101,311,000 | 101,540,000 |
| Total loans | 62,444,000 | 63,783,000 | 64,887,000 | 62,711,000 |
| Allowance for loan losses | 767,000 | 797,000 | 37,000 | 93,000 |
| Securities available for sale | 6,787,000 | 6,496,000 | 4,144,000 | 4,130,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,238,000 | 77,901,000 | 77,583,000 | 77,521,000 |
| Interest-bearing deposits | 61,503,000 | 63,348,000 | 63,218,000 | 62,113,000 |
| Noninterest-bearing deposits | 15,735,000 | 14,553,000 | 14,365,000 | 15,408,000 |
| Equity capital | 9,363,000 | 9,494,000 | 23,141,000 | 23,298,000 |
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 | 966,000 | 1,944,000 | 702,000 | 1,762,000 |
| Interest expense | 146,000 | 281,000 | 69,000 | 168,000 |
| Net interest income | 820,000 | 1,663,000 | 633,000 | 1,594,000 |
| Noninterest income | 32,000 | 69,000 | -14,000 | 21,000 |
| Noninterest expense | 723,000 | 1,426,000 | 478,000 | 1,236,000 |
| Provision for loan losses | 30,000 | 60,000 | 37,000 | 93,000 |
| Pretax income | 100,000 | 247,000 | 104,000 | 286,000 |
| Income tax | 34,000 | 84,000 | 36,000 | 105,000 |
| Net income | 66,000 | 163,000 | 68,000 | 181,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,967,000 | 7,137,000 | 7,567,000 | 9,398,000 |
| Total capital | 7,688,000 | 7,871,000 | 7,604,000 | 9,491,000 |
| Risk-weighted assets | 57,610,000 | 58,630,000 | 58,073,000 | 57,551,000 |