Call reports 2012
BANK OF WALKER COUNTY — 2012
What BANK OF WALKER COUNTY 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 | 76,733,000 | 77,162,000 | 84,651,000 | 82,411,000 |
| Total loans | 47,375,000 | 45,930,000 | 46,702,000 | 48,527,000 |
| Allowance for loan losses | 766,000 | 706,000 | 785,000 | 756,000 |
| Securities available for sale | 15,094,000 | 17,709,000 | 19,630,000 | 18,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,866,000 | 67,131,000 | 74,356,000 | 72,006,000 |
| Interest-bearing deposits | 55,211,000 | 54,302,000 | 51,460,000 | 52,553,000 |
| Noninterest-bearing deposits | 11,655,000 | 12,829,000 | 22,896,000 | 19,453,000 |
| Equity capital | 9,781,000 | 9,875,000 | 10,051,000 | 10,072,000 |
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 | 854,000 | 1,666,000 | 2,497,000 | 3,326,000 |
| Interest expense | 171,000 | 320,000 | 450,000 | 569,000 |
| Net interest income | 683,000 | 1,346,000 | 2,047,000 | 2,757,000 |
| Noninterest income | 124,000 | 248,000 | 433,000 | 580,000 |
| Noninterest expense | 546,000 | 1,100,000 | 1,675,000 | 2,335,000 |
| Provision for loan losses | 221,000 | 284,000 | 370,000 | 377,000 |
| Pretax income | 223,000 | 401,000 | 626,000 | 832,000 |
| Income tax | 67,000 | 120,000 | 188,000 | 293,000 |
| Net income | 156,000 | 281,000 | 438,000 | 539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,826,000 | 9,780,000 | 9,939,000 | 10,041,000 |
| Total capital | 10,441,000 | 10,427,000 | 10,536,000 | 10,695,000 |
| Risk-weighted assets | 48,425,000 | 53,126,000 | 55,932,000 | 51,434,000 |