Call reports 2012
CLARKE COUNTY STATE BANK — 2012
What CLARKE COUNTY STATE 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 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 114,891,000 | 111,048,000 | 111,322,000 | 109,628,000 |
| Total loans | 73,763,000 | 71,758,000 | 69,091,000 | 69,584,000 |
| Allowance for loan losses | 2,186,000 | 2,033,000 | 1,963,000 | 1,771,000 |
| Securities available for sale | 22,193,000 | 26,815,000 | 25,223,000 | 25,550,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,690,000 | 91,708,000 | 91,641,000 | 90,275,000 |
| Interest-bearing deposits | 90,884,000 | 86,499,000 | 86,537,000 | 84,443,000 |
| Noninterest-bearing deposits | 4,806,000 | 5,209,000 | 5,104,000 | 5,832,000 |
| Equity capital | 12,072,000 | 12,297,000 | 12,486,000 | 12,482,000 |
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 | 1,145,000 | 2,346,000 | 3,411,000 | 4,418,000 |
| Interest expense | 277,000 | 525,000 | 759,000 | 990,000 |
| Net interest income | 868,000 | 1,821,000 | 2,652,000 | 3,428,000 |
| Noninterest income | 26,000 | 92,000 | 202,000 | 157,000 |
| Noninterest expense | 739,000 | 1,417,000 | 2,226,000 | 2,967,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 155,000 | 496,000 | 628,000 | 618,000 |
| Income tax | 42,000 | 162,000 | 188,000 | 154,000 |
| Net income | 113,000 | 334,000 | 440,000 | 464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,609,000 | 10,733,000 | 11,226,000 | 11,691,000 |
| Total capital | 11,559,000 | 11,683,000 | 12,159,000 | 12,629,000 |
| Risk-weighted assets | 74,783,000 | 74,953,000 | 73,616,000 | 74,565,000 |