Call reports 2011
DESOTO COUNTY BANK — 2011
What DESOTO COUNTY 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 | 78,348,000 | 81,115,000 | 77,441,000 | 74,862,000 |
| Total loans | 67,247,000 | 66,720,000 | 61,456,000 | 60,598,000 |
| Allowance for loan losses | 1,328,000 | 1,338,000 | 1,212,000 | 1,212,000 |
| Securities available for sale | 5,978,000 | 8,922,000 | 7,652,000 | 7,387,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,926,000 | 66,507,000 | 63,993,000 | 61,243,000 |
| Interest-bearing deposits | 60,444,000 | 62,212,000 | 59,091,000 | 56,406,000 |
| Noninterest-bearing deposits | 3,482,000 | 4,295,000 | 4,902,000 | 4,837,000 |
| Equity capital | 10,277,000 | 10,469,000 | 10,261,000 | 10,430,000 |
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 | 1,116,000 | 2,218,000 | 3,319,000 | 4,343,000 |
| Interest expense | 260,000 | 523,000 | 749,000 | 950,000 |
| Net interest income | 856,000 | 1,695,000 | 2,570,000 | 3,393,000 |
| Noninterest income | 54,000 | 85,000 | 74,000 | 185,000 |
| Noninterest expense | 677,000 | 1,361,000 | 2,041,000 | 2,737,000 |
| Provision for loan losses | 126,000 | 196,000 | 578,000 | 628,000 |
| Pretax income | 107,000 | 215,000 | 17,000 | 205,000 |
| Income tax | 18,000 | 29,000 | 42,000 | 0 |
| Net income | 89,000 | 186,000 | -25,000 | 205,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,455,000 | 10,520,000 | 10,276,000 | 10,475,000 |
| Total capital | 11,243,000 | 11,303,000 | 11,000,000 | 11,189,000 |
| Risk-weighted assets | 63,493,000 | 62,105,000 | 57,766,000 | 56,458,000 |