Call reports 2013
DESOTO COUNTY BANK — 2013
What DESOTO COUNTY 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 | 80,907,000 | 78,767,000 | 78,646,000 | 77,427,000 |
| Total loans | 57,621,000 | 60,473,000 | 59,014,000 | 60,958,000 |
| Allowance for loan losses | 1,045,000 | 1,111,000 | 1,183,000 | 1,078,000 |
| Securities available for sale | 10,238,000 | 9,701,000 | 9,269,000 | 8,682,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,320,000 | 64,303,000 | 66,989,000 | 65,756,000 |
| Interest-bearing deposits | 58,313,000 | 57,214,000 | 58,112,000 | 56,605,000 |
| Noninterest-bearing deposits | 7,007,000 | 7,089,000 | 8,877,000 | 9,151,000 |
| Equity capital | 10,887,000 | 10,894,000 | 9,106,000 | 8,808,000 |
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 | 927,000 | 1,857,000 | 2,786,000 | 3,720,000 |
| Interest expense | 129,000 | 254,000 | 380,000 | 488,000 |
| Net interest income | 798,000 | 1,603,000 | 2,406,000 | 3,232,000 |
| Noninterest income | 97,000 | 203,000 | 766,000 | 375,000 |
| Noninterest expense | 653,000 | 1,361,000 | 2,045,000 | 2,717,000 |
| Provision for loan losses | 126,000 | 190,000 | 271,000 | 271,000 |
| Pretax income | 116,000 | 255,000 | 856,000 | 619,000 |
| Income tax | 37,000 | 84,000 | 306,000 | 176,000 |
| Net income | 79,000 | 171,000 | 550,000 | 443,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,895,000 | 10,955,000 | 9,177,000 | 8,880,000 |
| Total capital | 11,640,000 | 11,562,000 | 9,948,000 | 9,646,000 |
| Risk-weighted assets | 59,358,000 | 61,779,000 | 61,064,000 | 62,669,000 |