Call reports 2011
SANDHILLS BANK — 2011
What SANDHILLS 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 | 63,045,000 | 65,294,000 | 64,765,000 | 62,582,000 |
| Total loans | 19,597,000 | 19,183,000 | 19,286,000 | 19,860,000 |
| Allowance for loan losses | 359,000 | 382,000 | 376,000 | 379,000 |
| Securities available for sale | 21,987,000 | 22,911,000 | 26,205,000 | 26,783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,837,000 | 58,583,000 | 57,667,000 | 54,277,000 |
| Interest-bearing deposits | 50,206,000 | 52,387,000 | 51,858,000 | 48,808,000 |
| Noninterest-bearing deposits | 6,631,000 | 6,196,000 | 5,809,000 | 5,469,000 |
| Equity capital | 5,581,000 | 5,983,000 | 6,229,000 | 7,494,000 |
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 | 520,000 | 1,076,000 | 1,626,000 | 2,261,000 |
| Interest expense | 155,000 | 316,000 | 473,000 | 602,000 |
| Net interest income | 365,000 | 760,000 | 1,153,000 | 1,659,000 |
| Noninterest income | -28,000 | 28,000 | 118,000 | 175,000 |
| Noninterest expense | 556,000 | 1,086,000 | 1,673,000 | 2,176,000 |
| Provision for loan losses | 0 | 25,000 | 100,000 | 100,000 |
| Pretax income | -215,000 | -272,000 | -290,000 | -230,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -215,000 | -272,000 | -290,000 | -230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,065,000 | 5,280,000 | 5,284,000 | 6,614,000 |
| Total capital | 5,424,000 | 5,654,000 | 5,660,000 | 6,993,000 |
| Risk-weighted assets | 29,519,000 | 29,889,000 | 31,883,000 | 32,168,000 |