Call reports 2010
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2010
What FIRST STATE BANK OF DEKALB COUNTY, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 87,301,000 | 87,990,000 | 86,895,000 | 94,540,000 |
| Total loans | 56,190,000 | 57,370,000 | 55,411,000 | 56,121,000 |
| Allowance for loan losses | 534,000 | 520,000 | 546,000 | 519,000 |
| Securities available for sale | 20,719,000 | 20,836,000 | 21,039,000 | 20,627,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,694,000 | 74,228,000 | 73,047,000 | 80,982,000 |
| Interest-bearing deposits | 60,455,000 | 60,784,000 | 59,581,000 | 66,350,000 |
| Noninterest-bearing deposits | 13,239,000 | 13,444,000 | 13,466,000 | 14,632,000 |
| Equity capital | 13,386,000 | 13,495,000 | 13,504,000 | 13,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,018,000 | 2,018,000 | 2,960,000 | 3,926,000 |
| Interest expense | 182,000 | 366,000 | 545,000 | 716,000 |
| Net interest income | 836,000 | 1,652,000 | 2,415,000 | 3,210,000 |
| Noninterest income | 110,000 | 230,000 | 348,000 | 400,000 |
| Noninterest expense | 731,000 | 1,532,000 | 2,280,000 | 3,067,000 |
| Provision for loan losses | 20,000 | 20,000 | 75,000 | 175,000 |
| Pretax income | 220,000 | 369,000 | 450,000 | 421,000 |
| Income tax | 30,000 | 105,000 | 190,000 | 127,000 |
| Net income | 190,000 | 264,000 | 260,000 | 294,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,260,000 | 13,333,000 | 13,328,000 | 13,364,000 |
| Total capital | 13,794,000 | 13,853,000 | 13,874,000 | 13,883,000 |
| Risk-weighted assets | 57,870,000 | 68,339,000 | 66,814,000 | 69,067,000 |
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