Call reports 2012
CALHOUN COUNTY BANK, INC. — 2012
What CALHOUN COUNTY BANK, INC. 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 | 121,270,000 | 121,011,000 | 124,919,000 | 126,285,000 |
| Total loans | 91,388,000 | 92,196,000 | 91,718,000 | 90,621,000 |
| Allowance for loan losses | 984,000 | 1,031,000 | 1,100,000 | 1,144,000 |
| Securities available for sale | 11,784,000 | 12,790,000 | 12,897,000 | 14,568,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,252,000 | 108,727,000 | 112,283,000 | 113,493,000 |
| Interest-bearing deposits | 83,684,000 | 84,451,000 | 85,759,000 | 86,772,000 |
| Noninterest-bearing deposits | 25,568,000 | 24,276,000 | 26,524,000 | 26,721,000 |
| Equity capital | 10,597,000 | 10,692,000 | 10,915,000 | 10,970,000 |
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 | 1,521,000 | 3,052,000 | 4,589,000 | 6,110,000 |
| Interest expense | 243,000 | 484,000 | 731,000 | 973,000 |
| Net interest income | 1,278,000 | 2,568,000 | 3,858,000 | 5,137,000 |
| Noninterest income | 241,000 | 485,000 | 733,000 | 957,000 |
| Noninterest expense | 1,284,000 | 2,484,000 | 3,603,000 | 4,785,000 |
| Provision for loan losses | 140,000 | 230,000 | 320,000 | 410,000 |
| Pretax income | 95,000 | 373,000 | 702,000 | 933,000 |
| Income tax | 32,000 | 125,000 | 235,000 | 297,000 |
| Net income | 63,000 | 248,000 | 467,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,173,000 | 11,260,000 | 11,478,000 | 11,549,000 |
| Total capital | 12,157,000 | 12,267,000 | 12,471,000 | 12,536,000 |
| Risk-weighted assets | 79,386,000 | 80,566,000 | 79,350,000 | 78,788,000 |