Call reports 2012
MCCURTAIN COUNTY NATIONAL BANK — 2012
What MCCURTAIN COUNTY NATIONAL BANK 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 | 186,390,000 | 186,235,000 | 185,240,000 | 187,343,000 |
| Total loans | 109,198,000 | 107,633,000 | 107,713,000 | 108,517,000 |
| Allowance for loan losses | 1,688,000 | 1,749,000 | 1,800,000 | 1,847,000 |
| Securities available for sale | 15,897,000 | 16,624,000 | 16,037,000 | 16,276,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,584,000 | 169,216,000 | 167,722,000 | 169,642,000 |
| Interest-bearing deposits | 131,087,000 | 127,778,000 | 127,970,000 | 128,355,000 |
| Noninterest-bearing deposits | 38,497,000 | 41,438,000 | 39,752,000 | 41,287,000 |
| Equity capital | 16,250,000 | 16,707,000 | 17,095,000 | 17,451,000 |
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 | 1,868,000 | 3,720,000 | 5,514,000 | 7,333,000 |
| Interest expense | 379,000 | 755,000 | 1,126,000 | 1,489,000 |
| Net interest income | 1,489,000 | 2,965,000 | 4,388,000 | 5,844,000 |
| Noninterest income | 320,000 | 625,000 | 930,000 | 1,225,000 |
| Noninterest expense | 957,000 | 1,983,000 | 2,957,000 | 4,087,000 |
| Provision for loan losses | 60,000 | 120,000 | 255,000 | 370,000 |
| Pretax income | 792,000 | 1,518,000 | 2,137,000 | 2,644,000 |
| Income tax | 281,000 | 516,000 | 752,000 | 883,000 |
| Net income | 511,000 | 1,002,000 | 1,385,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,159,000 | 16,650,000 | 17,033,000 | 17,408,000 |
| Total capital | 17,612,000 | 17,998,000 | 18,453,000 | 18,840,000 |
| Risk-weighted assets | 116,661,000 | 114,352,000 | 113,251,000 | 114,147,000 |