Call reports 2013
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2013
What FIRST STATE BANK OF DEKALB COUNTY, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 85,234,000 | 83,790,000 | 83,940,000 | 91,547,000 |
| Total loans | 50,697,000 | 50,725,000 | 50,468,000 | 46,686,000 |
| Allowance for loan losses | 501,000 | 549,000 | 550,000 | 435,000 |
| Securities available for sale | 22,665,000 | 22,894,000 | 22,695,000 | 22,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,719,000 | 69,161,000 | 69,305,000 | 76,989,000 |
| Interest-bearing deposits | 55,967,000 | 54,464,000 | 53,704,000 | 60,543,000 |
| Noninterest-bearing deposits | 14,752,000 | 14,697,000 | 15,601,000 | 16,446,000 |
| Equity capital | 14,304,000 | 14,463,000 | 14,409,000 | 14,355,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 853,000 | 1,748,000 | 2,622,000 | 3,453,000 |
| Interest expense | 94,000 | 193,000 | 290,000 | 389,000 |
| Net interest income | 759,000 | 1,555,000 | 2,332,000 | 3,064,000 |
| Noninterest income | 113,000 | 328,000 | 315,000 | 310,000 |
| Noninterest expense | 629,000 | 1,217,000 | 1,824,000 | 2,525,000 |
| Provision for loan losses | 65,000 | 90,000 | 90,000 | 105,000 |
| Pretax income | 178,000 | 576,000 | 733,000 | 744,000 |
| Income tax | 70,000 | 118,000 | 223,000 | 253,000 |
| Net income | 108,000 | 458,000 | 510,000 | 491,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,200,000 | 14,551,000 | 14,602,000 | 14,584,000 |
| Total capital | 14,701,000 | 15,100,000 | 15,152,000 | 15,019,000 |
| Risk-weighted assets | 62,175,000 | 54,472,000 | 62,654,000 | 60,984,000 |