Call reports 2014
DESOTO COUNTY BANK — 2014
What DESOTO COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 79,600,000 | 81,409,000 | 81,801,000 | 82,247,000 |
| Total loans | 60,173,000 | 63,181,000 | 64,837,000 | 65,709,000 |
| Allowance for loan losses | 1,138,000 | 1,189,000 | 1,228,000 | 1,266,000 |
| Securities available for sale | 9,653,000 | 8,900,000 | 9,519,000 | 8,225,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,459,000 | 70,167,000 | 71,702,000 | 69,211,000 |
| Interest-bearing deposits | 59,432,000 | 60,540,000 | 61,909,000 | 58,348,000 |
| Noninterest-bearing deposits | 10,027,000 | 9,627,000 | 9,793,000 | 10,863,000 |
| Equity capital | 8,924,000 | 9,109,000 | 9,294,000 | 9,611,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 915,000 | 1,911,000 | 2,922,000 | 3,930,000 |
| Interest expense | 105,000 | 212,000 | 324,000 | 439,000 |
| Net interest income | 810,000 | 1,699,000 | 2,598,000 | 3,491,000 |
| Noninterest income | 117,000 | 231,000 | 353,000 | 489,000 |
| Noninterest expense | 659,000 | 1,308,000 | 1,953,000 | 2,604,000 |
| Provision for loan losses | 55,000 | 102,000 | 164,000 | 204,000 |
| Pretax income | 213,000 | 520,000 | 834,000 | 1,172,000 |
| Income tax | 96,000 | 235,000 | 366,000 | 402,000 |
| Net income | 117,000 | 285,000 | 468,000 | 770,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,997,000 | 9,165,000 | 9,347,000 | 9,648,000 |
| Total capital | 9,770,000 | 9,957,000 | 10,170,000 | 10,484,000 |
| Risk-weighted assets | 62,954,000 | 64,624,000 | 65,409,000 | 66,471,000 |