Call reports 2011
STONE COUNTY NATIONAL BANK — 2011
What STONE COUNTY NATIONAL BANK 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 | 85,225,000 | 85,912,000 | 83,402,000 | 82,627,000 |
| Total loans | 36,174,000 | 35,058,000 | 33,596,000 | 32,613,000 |
| Allowance for loan losses | 1,080,000 | 1,024,000 | 1,042,000 | 973,000 |
| Securities available for sale | 33,560,000 | 35,577,000 | 33,603,000 | 29,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,299,000 | 76,776,000 | 73,968,000 | 73,528,000 |
| Interest-bearing deposits | 64,175,000 | 62,750,000 | 59,061,000 | 59,165,000 |
| Noninterest-bearing deposits | 12,123,000 | 14,026,000 | 14,907,000 | 14,363,000 |
| Equity capital | 8,783,000 | 8,955,000 | 9,224,000 | 8,951,000 |
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 | 904,000 | 1,800,000 | 2,658,000 | 3,484,000 |
| Interest expense | 164,000 | 318,000 | 430,000 | 531,000 |
| Net interest income | 740,000 | 1,482,000 | 2,228,000 | 2,953,000 |
| Noninterest income | 80,000 | -199,000 | -127,000 | -54,000 |
| Noninterest expense | 801,000 | 1,675,000 | 2,502,000 | 3,330,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -19,000 | -430,000 | -439,000 | -469,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -19,000 | -430,000 | -439,000 | -469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,864,000 | 8,454,000 | 8,445,000 | 8,415,000 |
| Total capital | 9,457,000 | 9,054,000 | 9,004,000 | 8,945,000 |
| Risk-weighted assets | 46,971,000 | 47,108,000 | 44,241,000 | 41,976,000 |