Call reports 2011
CLARKE COUNTY STATE BANK — 2011
What CLARKE COUNTY STATE 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 | 115,920,000 | 111,779,000 | 112,058,000 | 109,804,000 |
| Total loans | 77,741,000 | 74,801,000 | 76,813,000 | 75,859,000 |
| Allowance for loan losses | 3,104,000 | 3,276,000 | 3,141,000 | 2,613,000 |
| Securities available for sale | 20,042,000 | 21,509,000 | 20,381,000 | 19,624,000 |
| Securities held to maturity | 600,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,824,000 | 92,274,000 | 92,938,000 | 90,696,000 |
| Interest-bearing deposits | 91,485,000 | 87,515,000 | 88,280,000 | 86,177,000 |
| Noninterest-bearing deposits | 5,339,000 | 4,759,000 | 4,658,000 | 4,518,000 |
| Equity capital | 12,156,000 | 12,201,000 | 12,144,000 | 12,019,000 |
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 | 1,259,000 | 2,419,000 | 3,543,000 | 4,811,000 |
| Interest expense | 316,000 | 632,000 | 937,000 | 1,240,000 |
| Net interest income | 943,000 | 1,787,000 | 2,606,000 | 3,571,000 |
| Noninterest income | 333,000 | 634,000 | 621,000 | 923,000 |
| Noninterest expense | 943,000 | 1,960,000 | 2,860,000 | 4,307,000 |
| Provision for loan losses | 0 | 225,000 | 225,000 | 225,000 |
| Pretax income | 333,000 | 236,000 | 189,000 | 9,000 |
| Income tax | 110,000 | 45,000 | 7,000 | -85,000 |
| Net income | 223,000 | 191,000 | 182,000 | 94,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,064,000 | 10,438,000 | 10,345,000 | 10,496,000 |
| Total capital | 11,107,000 | 11,399,000 | 11,326,000 | 11,450,000 |
| Risk-weighted assets | 81,360,000 | 74,901,000 | 76,242,000 | 74,622,000 |