Call reports 2010
CALHOUN COUNTY BANK, INC. — 2010
What CALHOUN COUNTY BANK, INC. reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 109,072,000 | 120,264,000 | 122,610,000 | 113,147,000 |
| Total loans | 88,696,000 | 89,882,000 | 89,961,000 | 90,002,000 |
| Allowance for loan losses | 1,122,000 | 1,148,000 | 1,105,000 | 1,174,000 |
| Securities available for sale | 4,657,000 | 5,525,000 | 8,031,000 | 9,126,000 |
| Securities held to maturity | 493,000 | 393,000 | 394,000 | 394,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,183,000 | 105,196,000 | 109,331,000 | 100,028,000 |
| Interest-bearing deposits | 74,025,000 | 75,578,000 | 78,304,000 | 79,472,000 |
| Noninterest-bearing deposits | 20,158,000 | 29,618,000 | 31,027,000 | 20,556,000 |
| Equity capital | 9,890,000 | 10,006,000 | 10,210,000 | 10,140,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,544,000 | 3,088,000 | 4,614,000 | 6,252,000 |
| Interest expense | 333,000 | 669,000 | 994,000 | 1,307,000 |
| Net interest income | 1,211,000 | 2,419,000 | 3,620,000 | 4,945,000 |
| Noninterest income | 214,000 | 457,000 | 719,000 | 973,000 |
| Noninterest expense | 963,000 | 2,005,000 | 3,096,000 | 4,352,000 |
| Provision for loan losses | 60,000 | 135,000 | 210,000 | 285,000 |
| Pretax income | 402,000 | 736,000 | 1,033,000 | 1,281,000 |
| Income tax | 128,000 | 246,000 | 346,000 | 411,000 |
| Net income | 274,000 | 490,000 | 687,000 | 870,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,209,000 | 10,311,000 | 10,509,000 | 10,537,000 |
| Total capital | 11,135,000 | 11,243,000 | 11,455,000 | 11,487,000 |
| Risk-weighted assets | 73,850,000 | 74,368,000 | 75,492,000 | 75,778,000 |