Call reports 2012
DESOTO COUNTY BANK — 2012
What DESOTO COUNTY 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 | 77,040,000 | 76,250,000 | 75,277,000 | 75,975,000 |
| Total loans | 59,854,000 | 60,103,000 | 55,188,000 | 56,374,000 |
| Allowance for loan losses | 1,199,000 | 1,267,000 | 1,277,000 | 1,196,000 |
| Securities available for sale | 9,594,000 | 10,083,000 | 10,929,000 | 10,504,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,395,000 | 62,034,000 | 62,067,000 | 61,979,000 |
| Interest-bearing deposits | 56,734,000 | 54,935,000 | 55,463,000 | 55,205,000 |
| Noninterest-bearing deposits | 6,661,000 | 7,099,000 | 6,604,000 | 6,774,000 |
| Equity capital | 10,535,000 | 10,685,000 | 10,844,000 | 10,831,000 |
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 | 995,000 | 2,011,000 | 2,987,000 | 3,915,000 |
| Interest expense | 182,000 | 345,000 | 489,000 | 627,000 |
| Net interest income | 813,000 | 1,666,000 | 2,498,000 | 3,288,000 |
| Noninterest income | 78,000 | 166,000 | 213,000 | 316,000 |
| Noninterest expense | 688,000 | 1,358,000 | 2,018,000 | 2,692,000 |
| Provision for loan losses | 68,000 | 128,000 | 153,000 | 252,000 |
| Pretax income | 135,000 | 343,000 | 537,000 | 657,000 |
| Income tax | 14,000 | 53,000 | 74,000 | 161,000 |
| Net income | 121,000 | 290,000 | 463,000 | 496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,565,000 | 10,702,000 | 10,843,000 | 10,844,000 |
| Total capital | 11,290,000 | 11,371,000 | 11,518,000 | 11,566,000 |
| Risk-weighted assets | 57,504,000 | 57,048,000 | 52,598,000 | 56,509,000 |