Call reports 2012
DECATUR COUNTY BANK — 2012
What DECATUR COUNTY 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 | 88,758,000 | 88,818,000 | 88,515,000 | 88,748,000 |
| Total loans | 54,523,000 | 53,661,000 | 53,807,000 | 53,221,000 |
| Allowance for loan losses | 913,000 | 702,000 | 712,000 | 675,000 |
| Securities available for sale | 19,310,000 | 21,532,000 | 22,691,000 | 19,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,931,000 | 75,552,000 | 74,813,000 | 74,222,000 |
| Interest-bearing deposits | 63,330,000 | 63,458,000 | 62,941,000 | 62,482,000 |
| Noninterest-bearing deposits | 12,601,000 | 12,094,000 | 11,872,000 | 11,740,000 |
| Equity capital | 6,049,000 | 6,569,000 | 6,666,000 | 7,217,000 |
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 | 1,147,000 | 2,254,000 | 3,341,000 | 4,446,000 |
| Interest expense | 181,000 | 337,000 | 476,000 | 611,000 |
| Net interest income | 966,000 | 1,917,000 | 2,865,000 | 3,835,000 |
| Noninterest income | 156,000 | 330,000 | 506,000 | 665,000 |
| Noninterest expense | 868,000 | 1,777,000 | 2,883,000 | 4,028,000 |
| Provision for loan losses | 230,000 | 290,000 | 325,000 | 435,000 |
| Pretax income | 262,000 | 564,000 | 547,000 | 481,000 |
| Income tax | 8,000 | 21,000 | 16,000 | -462,000 |
| Net income | 254,000 | 543,000 | 531,000 | 943,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,866,000 | 7,156,000 | 7,144,000 | 7,222,000 |
| Total capital | 7,639,000 | 7,858,000 | 7,856,000 | 7,897,000 |
| Risk-weighted assets | 61,667,000 | 60,603,000 | 61,165,000 | 60,950,000 |