Call reports 2011
INEZ DEPOSIT BANK — 2011
What INEZ DEPOSIT BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 117,927,000 | 111,459,000 | 167,753,000 | 166,168,000 |
| Total loans | 48,278,000 | 47,100,000 | 65,109,000 | 63,085,000 |
| Allowance for loan losses | 658,000 | 635,000 | 961,000 | 907,000 |
| Securities available for sale | 48,415,000 | 51,125,000 | 61,944,000 | 69,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 104,724,000 | 97,589,000 | 147,262,000 | 146,084,000 |
| Interest-bearing deposits | 85,390,000 | 80,960,000 | 117,482,000 | 116,741,000 |
| Noninterest-bearing deposits | 19,333,000 | 16,628,000 | 29,781,000 | 29,343,000 |
| Equity capital | 12,235,000 | 12,733,000 | 18,697,000 | 18,792,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,233,000 | 2,450,000 | 3,878,000 | 5,508,000 |
| Interest expense | 438,000 | 852,000 | 1,290,000 | 1,782,000 |
| Net interest income | 795,000 | 1,598,000 | 2,588,000 | 3,726,000 |
| Noninterest income | 204,000 | 381,000 | 596,000 | 840,000 |
| Noninterest expense | 869,000 | 1,722,000 | 2,799,000 | 3,912,000 |
| Provision for loan losses | 23,000 | 45,000 | 88,000 | 200,000 |
| Pretax income | 107,000 | 212,000 | 297,000 | 463,000 |
| Income tax | 2,000 | 4,000 | 16,000 | 48,000 |
| Net income | 105,000 | 208,000 | 281,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,701,000 | 11,805,000 | 17,013,000 | 17,429,000 |
| Total capital | 12,359,000 | 12,440,000 | 17,949,000 | 18,336,000 |
| Risk-weighted assets | 53,832,000 | 52,533,000 | 74,880,000 | 73,409,000 |