Call reports 2012
FIRST NATIONAL BANK OF DECATUR COUNTY — 2012
What FIRST NATIONAL BANK OF DECATUR COUNTY 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 | 116,625,000 | 109,558,000 | 110,873,000 | 133,599,000 |
| Total loans | 55,100,000 | 52,676,000 | 50,324,000 | 46,809,000 |
| Allowance for loan losses | 1,650,000 | 1,676,000 | 1,303,000 | 1,319,000 |
| Securities available for sale | 42,624,000 | 36,753,000 | 34,635,000 | 34,701,000 |
| Securities held to maturity | 0 | 5,499,000 | 7,498,000 | 9,999,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,010,000 | 90,452,000 | 91,649,000 | 114,458,000 |
| Interest-bearing deposits | 84,580,000 | 81,578,000 | 75,823,000 | 95,860,000 |
| Noninterest-bearing deposits | 13,430,000 | 8,874,000 | 15,826,000 | 18,598,000 |
| Equity capital | 13,212,000 | 13,605,000 | 13,651,000 | 13,741,000 |
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 | 1,122,000 | 2,233,000 | 3,258,000 | 4,274,000 |
| Interest expense | 317,000 | 597,000 | 844,000 | 1,068,000 |
| Net interest income | 805,000 | 1,636,000 | 2,414,000 | 3,206,000 |
| Noninterest income | 76,000 | 151,000 | 248,000 | 214,000 |
| Noninterest expense | 592,000 | 1,188,000 | 1,827,000 | 2,440,000 |
| Provision for loan losses | 140,000 | 270,000 | 531,000 | 641,000 |
| Pretax income | 149,000 | 507,000 | 524,000 | 646,000 |
| Income tax | 55,000 | 190,000 | 216,000 | 141,000 |
| Net income | 94,000 | 317,000 | 308,000 | 505,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,938,000 | 13,161,000 | 13,153,000 | 13,351,000 |
| Total capital | 13,740,000 | 13,921,000 | 13,923,000 | 14,129,000 |
| Risk-weighted assets | 63,334,000 | 59,917,000 | 61,105,000 | 61,693,000 |