Call reports 2011
NECEDAH BANK, THE — 2011
What NECEDAH BANK, THE 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 | 35,703,000 | 32,724,000 | 33,799,000 | 33,095,000 |
| Total loans | 21,955,000 | 21,653,000 | 21,079,000 | 21,784,000 |
| Allowance for loan losses | 292,000 | 405,000 | 435,000 | 423,000 |
| Securities available for sale | 9,549,000 | 7,922,000 | 8,025,000 | 4,900,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,760,000 | 25,787,000 | 27,038,000 | 26,748,000 |
| Interest-bearing deposits | 21,748,000 | 20,509,000 | 20,765,000 | 19,551,000 |
| Noninterest-bearing deposits | 7,012,000 | 5,278,000 | 6,272,000 | 7,197,000 |
| Equity capital | 4,313,000 | 4,292,000 | 4,281,000 | 4,236,000 |
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 | 377,000 | 742,000 | 1,084,000 | 1,388,000 |
| Interest expense | 93,000 | 166,000 | 235,000 | 300,000 |
| Net interest income | 284,000 | 576,000 | 849,000 | 1,088,000 |
| Noninterest income | 42,000 | 76,000 | 96,000 | 122,000 |
| Noninterest expense | 292,000 | 602,000 | 942,000 | 1,290,000 |
| Provision for loan losses | 10,000 | 106,000 | 136,000 | 181,000 |
| Pretax income | 52,000 | 33,000 | -28,000 | -11,000 |
| Income tax | 28,000 | 66,000 | 80,000 | 85,000 |
| Net income | 24,000 | -33,000 | -108,000 | -96,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,019,000 | 3,968,000 | 3,902,000 | 3,919,000 |
| Total capital | 4,311,000 | 4,277,000 | 4,207,000 | 4,230,000 |
| Risk-weighted assets | 24,872,000 | 24,658,000 | 24,362,000 | 24,381,000 |