Call reports 2013
CLARKE COUNTY STATE BANK — 2013
What CLARKE COUNTY STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 116,724,000 | 110,622,000 | 111,834,000 | 108,638,000 |
| Total loans | 68,012,000 | 70,053,000 | 71,717,000 | 72,154,000 |
| Allowance for loan losses | 1,610,000 | 1,599,000 | 1,766,000 | 1,529,000 |
| Securities available for sale | 25,858,000 | 23,987,000 | 23,205,000 | 22,560,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,242,000 | 91,240,000 | 92,207,000 | 89,167,000 |
| Interest-bearing deposits | 90,814,000 | 85,213,000 | 85,811,000 | 83,504,000 |
| Noninterest-bearing deposits | 6,427,000 | 6,027,000 | 6,396,000 | 5,663,000 |
| Equity capital | 12,533,000 | 12,404,000 | 12,541,000 | 12,585,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 931,000 | 1,883,000 | 2,870,000 | 3,858,000 |
| Interest expense | 221,000 | 431,000 | 632,000 | 805,000 |
| Net interest income | 710,000 | 1,452,000 | 2,238,000 | 3,053,000 |
| Noninterest income | 80,000 | 176,000 | 201,000 | 278,000 |
| Noninterest expense | 720,000 | 1,442,000 | 2,134,000 | 2,810,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 70,000 | 186,000 | 305,000 | 521,000 |
| Income tax | 2,000 | 14,000 | 37,000 | 99,000 |
| Net income | 68,000 | 172,000 | 268,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,708,000 | 11,693,000 | 11,802,000 | 11,961,000 |
| Total capital | 12,630,000 | 12,657,000 | 12,771,000 | 12,928,000 |
| Risk-weighted assets | 73,214,000 | 76,636,000 | 76,848,000 | 76,804,000 |