Call reports 2012
COMMUNITY BANK, NORTH MISSISSIPPI — 2012
What COMMUNITY BANK, NORTH MISSISSIPPI 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 | 493,079,000 | 489,176,000 | 486,940,000 | 481,684,000 |
| Total loans | 295,600,000 | 307,536,000 | 307,348,000 | 298,410,000 |
| Allowance for loan losses | 4,332,000 | 4,291,000 | 4,439,000 | 4,217,000 |
| Securities available for sale | 104,258,000 | 96,780,000 | 100,776,000 | 106,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 440,175,000 | 435,117,000 | 431,823,000 | 425,000,000 |
| Interest-bearing deposits | 394,330,000 | 388,412,000 | 386,072,000 | 382,306,000 |
| Noninterest-bearing deposits | 45,845,000 | 46,705,000 | 45,751,000 | 42,694,000 |
| Equity capital | 44,571,000 | 45,405,000 | 46,222,000 | 48,583,000 |
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 | 4,605,000 | 9,232,000 | 13,766,000 | 18,126,000 |
| Interest expense | 847,000 | 1,658,000 | 2,393,000 | 3,078,000 |
| Net interest income | 3,758,000 | 7,574,000 | 11,373,000 | 15,048,000 |
| Noninterest income | 688,000 | 736,000 | 1,221,000 | 1,063,000 |
| Noninterest expense | 3,516,000 | 6,745,000 | 10,170,000 | 13,579,000 |
| Provision for loan losses | 300,000 | 320,000 | 570,000 | 650,000 |
| Pretax income | 630,000 | 1,246,000 | 1,855,000 | 2,117,000 |
| Income tax | 213,000 | 392,000 | 598,000 | 678,000 |
| Net income | 417,000 | 854,000 | 1,257,000 | 1,439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,933,000 | 41,402,000 | 41,844,000 | 44,560,000 |
| Total capital | 44,920,000 | 45,476,000 | 45,905,000 | 48,465,000 |
| Risk-weighted assets | 318,610,000 | 325,687,000 | 324,497,000 | 312,126,000 |