Call reports 2012
STONE COUNTY NATIONAL BANK — 2012
What STONE COUNTY NATIONAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 85,094,000 | 85,167,000 | 80,685,000 |
| Total loans | 30,386,000 | 29,136,000 | 28,815,000 |
| Allowance for loan losses | 982,000 | 999,000 | 993,000 |
| Securities available for sale | 28,650,000 | 25,974,000 | 24,213,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 75,916,000 | 76,051,000 | 71,612,000 |
| Interest-bearing deposits | 60,632,000 | 60,305,000 | 55,961,000 |
| Noninterest-bearing deposits | 15,284,000 | 15,746,000 | 15,651,000 |
| Equity capital | 8,982,000 | 8,926,000 | 8,883,000 |
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 |
|---|---|---|---|
| Interest income | 792,000 | 1,529,000 | 2,229,000 |
| Interest expense | 91,000 | 167,000 | 234,000 |
| Net interest income | 701,000 | 1,362,000 | 1,995,000 |
| Noninterest income | 50,000 | 108,000 | 171,000 |
| Noninterest expense | 758,000 | 1,505,000 | 2,248,000 |
| Provision for loan losses | 0 | 0 | 0 |
| Pretax income | -48,000 | -327,000 | -374,000 |
| Income tax | 0 | 0 | 0 |
| Net income | -48,000 | -327,000 | -374,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 8,367,000 | 8,088,000 | 8,040,000 |
| Total capital | 8,869,000 | 8,567,000 | 8,510,000 |
| Risk-weighted assets | 39,684,000 | 38,061,000 | 37,155,000 |