Call reports 2011
CALHOUN COUNTY BANK, INC. — 2011
What CALHOUN COUNTY BANK, INC. 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 | 116,441,000 | 116,129,000 | 118,883,000 | 116,357,000 |
| Total loans | 89,365,000 | 89,851,000 | 90,570,000 | 90,428,000 |
| Allowance for loan losses | 1,145,000 | 1,149,000 | 938,000 | 978,000 |
| Securities available for sale | 9,136,000 | 11,107,000 | 11,301,000 | 11,788,000 |
| Securities held to maturity | 394,000 | 295,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,284,000 | 102,817,000 | 105,208,000 | 104,466,000 |
| Interest-bearing deposits | 80,682,000 | 81,252,000 | 82,443,000 | 82,673,000 |
| Noninterest-bearing deposits | 22,602,000 | 21,565,000 | 22,765,000 | 21,793,000 |
| Equity capital | 10,239,000 | 10,494,000 | 10,766,000 | 10,535,000 |
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 | 1,564,000 | 3,136,000 | 4,710,000 | 6,284,000 |
| Interest expense | 298,000 | 583,000 | 869,000 | 1,132,000 |
| Net interest income | 1,266,000 | 2,553,000 | 3,841,000 | 5,152,000 |
| Noninterest income | 239,000 | 481,000 | 738,000 | 976,000 |
| Noninterest expense | 1,169,000 | 2,317,000 | 3,412,000 | 4,545,000 |
| Provision for loan losses | 208,000 | 223,000 | 303,000 | 433,000 |
| Pretax income | 128,000 | 523,000 | 893,000 | 1,210,000 |
| Income tax | 43,000 | 175,000 | 299,000 | 413,000 |
| Net income | 85,000 | 348,000 | 594,000 | 797,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,623,000 | 10,773,000 | 11,020,000 | 11,109,000 |
| Total capital | 11,566,000 | 11,747,000 | 11,958,000 | 12,087,000 |
| Risk-weighted assets | 75,219,000 | 77,743,000 | 78,652,000 | 78,509,000 |