Call reports 2012
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2012
What FIRST STATE BANK OF DEKALB COUNTY, INC. 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 | 85,934,000 | 85,769,000 | 83,564,000 | 88,394,000 |
| Total loans | 48,811,000 | 48,772,000 | 50,756,000 | 49,947,000 |
| Allowance for loan losses | 442,000 | 454,000 | 407,000 | 440,000 |
| Securities available for sale | 22,154,000 | 22,649,000 | 22,724,000 | 22,694,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,038,000 | 71,656,000 | 69,269,000 | 73,991,000 |
| Interest-bearing deposits | 56,136,000 | 57,300,000 | 55,128,000 | 59,945,000 |
| Noninterest-bearing deposits | 15,902,000 | 14,356,000 | 14,141,000 | 14,046,000 |
| Equity capital | 13,732,000 | 13,959,000 | 14,087,000 | 14,204,000 |
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 | 886,000 | 1,744,000 | 2,607,000 | 3,493,000 |
| Interest expense | 108,000 | 207,000 | 301,000 | 395,000 |
| Net interest income | 778,000 | 1,537,000 | 2,306,000 | 3,098,000 |
| Noninterest income | 144,000 | 282,000 | 418,000 | 540,000 |
| Noninterest expense | 671,000 | 1,322,000 | 2,006,000 | 2,687,000 |
| Provision for loan losses | 75,000 | 115,000 | 128,000 | 128,000 |
| Pretax income | 177,000 | 389,000 | 601,000 | 839,000 |
| Income tax | 27,000 | 78,000 | 165,000 | 280,000 |
| Net income | 150,000 | 311,000 | 436,000 | 559,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,684,000 | 13,844,000 | 13,970,000 | 14,093,000 |
| Total capital | 14,126,000 | 14,298,000 | 14,377,000 | 14,533,000 |
| Risk-weighted assets | 60,746,000 | 60,850,000 | 62,102,000 | 62,250,000 |