Call reports 2015
FIRST STATE BANK OF DEKALB COUNTY, INC. — 2015
What FIRST STATE BANK OF DEKALB COUNTY, INC. reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 91,559,000 | 93,357,000 | 89,752,000 | 98,715,000 |
| Total loans | 50,726,000 | 48,805,000 | 50,033,000 | 50,962,000 |
| Allowance for loan losses | 443,000 | 433,000 | 430,000 | 436,000 |
| Securities available for sale | 24,290,000 | 24,379,000 | 24,572,000 | 24,201,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,300,000 | 78,145,000 | 74,242,000 | 83,135,000 |
| Interest-bearing deposits | 56,284,000 | 57,577,000 | 55,962,000 | 62,539,000 |
| Noninterest-bearing deposits | 20,016,000 | 20,568,000 | 18,280,000 | 20,596,000 |
| Equity capital | 15,160,000 | 15,056,000 | 15,314,000 | 15,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 892,000 | 1,806,000 | 2,742,000 | 3,693,000 |
| Interest expense | 91,000 | 184,000 | 278,000 | 371,000 |
| Net interest income | 801,000 | 1,622,000 | 2,464,000 | 3,322,000 |
| Noninterest income | 116,000 | 135,000 | 271,000 | 407,000 |
| Noninterest expense | 751,000 | 1,483,000 | 2,241,000 | 3,065,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 40,000 |
| Pretax income | 141,000 | 249,000 | 469,000 | 624,000 |
| Income tax | 56,000 | 130,000 | 178,000 | 179,000 |
| Net income | 85,000 | 119,000 | 291,000 | 445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,102,000 | 15,068,000 | 15,240,000 | 15,395,000 |
| Total capital | 15,642,000 | 15,501,000 | 15,670,000 | 15,831,000 |
| Risk-weighted assets | 54,573,000 | 54,362,000 | 54,614,000 | 57,343,000 |