Call reports 2011
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2011
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 89,385,000 | 92,761,000 | 89,673,000 | 92,881,000 |
| Total loans | 52,940,000 | 52,521,000 | 49,899,000 | 49,279,000 |
| Allowance for loan losses | 591,000 | 414,000 | 390,000 | 375,000 |
| Securities available for sale | 20,727,000 | 20,934,000 | 20,678,000 | 21,192,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,893,000 | 79,002,000 | 75,919,000 | 79,074,000 |
| Interest-bearing deposits | 61,368,000 | 63,033,000 | 60,332,000 | 63,222,000 |
| Noninterest-bearing deposits | 14,525,000 | 15,969,000 | 15,587,000 | 15,852,000 |
| Equity capital | 13,281,000 | 13,491,000 | 13,481,000 | 13,626,000 |
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 | 956,000 | 1,845,000 | 2,717,000 | 3,565,000 |
| Interest expense | 159,000 | 305,000 | 438,000 | 551,000 |
| Net interest income | 797,000 | 1,540,000 | 2,279,000 | 3,014,000 |
| Noninterest income | 52,000 | 167,000 | 240,000 | 374,000 |
| Noninterest expense | 769,000 | 1,496,000 | 2,244,000 | 2,959,000 |
| Provision for loan losses | 70,000 | 90,000 | 230,000 | 265,000 |
| Pretax income | 10,000 | 135,000 | 101,000 | 254,000 |
| Income tax | 51,000 | 93,000 | 103,000 | 84,000 |
| Net income | -41,000 | 42,000 | -2,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,322,000 | 13,405,000 | 13,368,000 | 13,534,000 |
| Total capital | 13,913,000 | 13,819,000 | 13,758,000 | 13,909,000 |
| Risk-weighted assets | 65,151,000 | 65,209,000 | 62,665,000 | 62,522,000 |