Call reports 2011
PHELPS COUNTY BANK — 2011
What PHELPS COUNTY 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 | 277,487,000 | 278,980,000 | 288,447,000 | 298,408,000 |
| Total loans | 158,575,000 | 157,179,000 | 160,495,000 | 163,486,000 |
| Allowance for loan losses | 1,865,000 | 1,736,000 | 1,548,000 | 1,733,000 |
| Securities available for sale | 102,136,000 | 107,442,000 | 112,370,000 | 104,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,867,000 | 245,513,000 | 255,290,000 | 268,909,000 |
| Interest-bearing deposits | 213,671,000 | 211,671,000 | 218,466,000 | 233,454,000 |
| Noninterest-bearing deposits | 34,196,000 | 33,842,000 | 36,824,000 | 35,455,000 |
| Equity capital | 20,720,000 | 23,139,000 | 24,004,000 | 23,571,000 |
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 | 2,998,000 | 6,159,000 | 9,203,000 | 12,308,000 |
| Interest expense | 672,000 | 1,334,000 | 1,964,000 | 2,584,000 |
| Net interest income | 2,326,000 | 4,825,000 | 7,239,000 | 9,724,000 |
| Noninterest income | 645,000 | 1,311,000 | 2,039,000 | 2,795,000 |
| Noninterest expense | 1,986,000 | 4,117,000 | 6,230,000 | 8,089,000 |
| Provision for loan losses | 190,000 | 190,000 | 220,000 | 540,000 |
| Pretax income | 1,015,000 | 2,096,000 | 3,192,000 | 4,317,000 |
| Income tax | 11,000 | 11,000 | 11,000 | 11,000 |
| Net income | 1,004,000 | 2,085,000 | 3,181,000 | 4,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,364,000 | 20,446,000 | 20,542,000 | 20,666,000 |
| Total capital | 21,118,000 | 22,161,000 | 22,090,000 | 22,399,000 |
| Risk-weighted assets | 140,235,000 | 137,207,000 | 138,483,000 | 141,810,000 |