Call reports 2010
DESOTO COUNTY BANK — 2010
What DESOTO COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 71,352,000 | 71,711,000 | 76,034,000 | 77,780,000 |
| Total loans | 61,917,000 | 62,927,000 | 66,278,000 | 67,590,000 |
| Allowance for loan losses | 996,000 | 1,075,000 | 1,178,000 | 1,295,000 |
| Securities available for sale | 6,267,000 | 6,503,000 | 5,723,000 | 5,676,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,665,000 | 58,092,000 | 61,219,000 | 63,492,000 |
| Interest-bearing deposits | 54,020,000 | 53,313,000 | 57,172,000 | 59,897,000 |
| Noninterest-bearing deposits | 4,645,000 | 4,779,000 | 4,047,000 | 3,595,000 |
| Equity capital | 9,992,000 | 10,088,000 | 10,093,000 | 10,220,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,029,000 | 2,093,000 | 3,239,000 | 4,413,000 |
| Interest expense | 293,000 | 566,000 | 836,000 | 1,132,000 |
| Net interest income | 736,000 | 1,527,000 | 2,403,000 | 3,281,000 |
| Noninterest income | 44,000 | 99,000 | 78,000 | 103,000 |
| Noninterest expense | 607,000 | 1,185,000 | 1,787,000 | 2,420,000 |
| Provision for loan losses | 73,000 | 215,000 | 332,000 | 481,000 |
| Pretax income | 100,000 | 226,000 | 362,000 | 372,000 |
| Income tax | 0 | 0 | 0 | -127,000 |
| Net income | 100,000 | 226,000 | 362,000 | 499,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,072,000 | 10,189,000 | 10,293,000 | 10,398,000 |
| Total capital | 10,845,000 | 10,981,000 | 11,081,000 | 11,187,000 |
| Risk-weighted assets | 61,773,000 | 63,083,000 | 64,963,000 | 65,800,000 |