Call reports 2012
DECATUR STATE BANK — 2012
What DECATUR STATE 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 | 143,607,000 | 134,272,000 | 127,305,000 | 122,054,000 |
| Total loans | 111,845,000 | 97,441,000 | 87,277,000 | 73,007,000 |
| Allowance for loan losses | 7,826,000 | 6,810,000 | 5,282,000 | 34,000 |
| Securities available for sale | 11,085,000 | 11,169,000 | 11,124,000 | 9,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,857,000 | 124,050,000 | 116,824,000 | 110,118,000 |
| Interest-bearing deposits | 125,369,000 | 115,803,000 | 108,578,000 | 101,810,000 |
| Noninterest-bearing deposits | 8,488,000 | 8,247,000 | 8,246,000 | 8,308,000 |
| Equity capital | 2,543,000 | 2,954,000 | 3,218,000 | 4,532,000 |
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 | 1,715,000 | 3,131,000 | 4,509,000 | 678,000 |
| Interest expense | 289,000 | 535,000 | 759,000 | 98,000 |
| Net interest income | 1,426,000 | 2,596,000 | 3,750,000 | 580,000 |
| Noninterest income | 174,000 | 432,000 | 609,000 | 131,000 |
| Noninterest expense | 1,683,000 | 3,308,000 | 4,698,000 | 527,000 |
| Provision for loan losses | 2,354,000 | 2,930,000 | 3,562,000 | 0 |
| Pretax income | -2,305,000 | -3,078,000 | -3,769,000 | 184,000 |
| Income tax | 0 | 0 | 0 | -149,000 |
| Net income | -2,305,000 | -3,078,000 | -3,769,000 | 333,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,622,000 | 2,949,000 | 3,258,000 | 4,323,000 |
| Total capital | 4,023,000 | 4,261,000 | 4,470,000 | 4,357,000 |
| Risk-weighted assets | 104,925,000 | 99,484,000 | 93,374,000 | 83,152,000 |