Call reports 2006
DESOTO COUNTY BANK — 2006
What DESOTO COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 14,638,000 | 13,447,000 | 15,953,000 | 18,294,000 |
| Total loans | 1,073,000 | 3,849,000 | 7,191,000 | 10,544,000 |
| Allowance for loan losses | 13,000 | 48,000 | 90,000 | 132,000 |
| Securities available for sale | 8,331,000 | 7,821,000 | 5,512,000 | 3,985,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 5,260,000 | 4,333,000 | 6,989,000 | 9,692,000 |
| Interest-bearing deposits | 4,452,000 | 2,660,000 | 5,847,000 | 8,329,000 |
| Noninterest-bearing deposits | 808,000 | 1,672,000 | 1,142,000 | 1,363,000 |
| Equity capital | 9,370,000 | 9,098,000 | 8,935,000 | 8,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 213,000 | 392,000 | 639,000 | 921,000 |
| Interest expense | 55,000 | 83,000 | 131,000 | 204,000 |
| Net interest income | 158,000 | 309,000 | 508,000 | 717,000 |
| Noninterest income | 1,000 | 5,000 | 18,000 | 49,000 |
| Noninterest expense | 1,125,000 | 1,489,000 | 1,862,000 | 2,257,000 |
| Provision for loan losses | 13,000 | 48,000 | 90,000 | 133,000 |
| Pretax income | -979,000 | -1,223,000 | -1,426,000 | -1,624,000 |
| Income tax | -245,000 | -245,000 | -245,000 | 0 |
| Net income | -734,000 | -978,000 | -1,181,000 | -1,624,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,141,000 | 8,897,000 | 8,694,000 | 8,496,000 |
| Total capital | 9,154,000 | 8,945,000 | 8,784,000 | 8,628,000 |
| Risk-weighted assets | 4,605,000 | 13,260,000 | 9,579,000 | 15,942,000 |