Call reports 2013
CALHOUN COUNTY BANK, INC. — 2013
What CALHOUN COUNTY BANK, INC. reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 126,597,000 | 124,535,000 | 125,368,000 | 125,153,000 |
| Total loans | 91,634,000 | 92,234,000 | 92,307,000 | 92,496,000 |
| Allowance for loan losses | 1,225,000 | 1,430,000 | 1,204,000 | 1,170,000 |
| Securities available for sale | 14,537,000 | 14,908,000 | 16,673,000 | 16,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,585,000 | 112,475,000 | 112,833,000 | 112,910,000 |
| Interest-bearing deposits | 85,573,000 | 85,623,000 | 85,014,000 | 85,297,000 |
| Noninterest-bearing deposits | 28,012,000 | 26,852,000 | 27,819,000 | 27,613,000 |
| Equity capital | 11,089,000 | 10,432,000 | 10,891,000 | 11,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,500,000 | 3,057,000 | 4,555,000 | 6,083,000 |
| Interest expense | 200,000 | 393,000 | 590,000 | 787,000 |
| Net interest income | 1,300,000 | 2,664,000 | 3,965,000 | 5,296,000 |
| Noninterest income | 225,000 | 437,000 | 622,000 | 847,000 |
| Noninterest expense | 1,180,000 | 2,150,000 | 3,267,000 | 4,587,000 |
| Provision for loan losses | 140,000 | 380,000 | 410,000 | 410,000 |
| Pretax income | 205,000 | 571,000 | 910,000 | 1,144,000 |
| Income tax | 69,000 | 191,000 | 304,000 | 362,000 |
| Net income | 136,000 | 380,000 | 606,000 | 782,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,685,000 | 11,411,000 | 11,868,000 | 11,959,000 |
| Total capital | 12,684,000 | 12,413,000 | 12,866,000 | 12,949,000 |
| Risk-weighted assets | 79,726,000 | 79,737,000 | 79,633,000 | 79,017,000 |