Call reports 2009
COMMUNITY BANK OF PICKENS COUNTY — 2009
What COMMUNITY BANK OF PICKENS COUNTY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 291,974,000 | 294,624,000 | 306,908,000 | 313,201,000 |
| Total loans | 233,645,000 | 234,981,000 | 234,162,000 | 232,620,000 |
| Allowance for loan losses | 3,974,000 | 5,397,000 | 5,460,000 | 5,245,000 |
| Securities available for sale | 31,252,000 | 30,628,000 | 33,355,000 | 34,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,500,000 | 266,292,000 | 277,827,000 | 284,328,000 |
| Interest-bearing deposits | 251,155,000 | 255,835,000 | 267,495,000 | 274,952,000 |
| Noninterest-bearing deposits | 11,345,000 | 10,457,000 | 10,332,000 | 9,376,000 |
| Equity capital | 24,003,000 | 22,552,000 | 23,297,000 | 23,422,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,300,000 | 8,518,000 | 12,739,000 | 16,519,000 |
| Interest expense | 2,307,000 | 4,550,000 | 6,759,000 | 8,743,000 |
| Net interest income | 1,993,000 | 3,968,000 | 5,980,000 | 7,776,000 |
| Noninterest income | 216,000 | 487,000 | 697,000 | 1,039,000 |
| Noninterest expense | 1,606,000 | 3,770,000 | 5,615,000 | 7,341,000 |
| Provision for loan losses | 449,000 | 2,469,000 | 2,769,000 | 5,474,000 |
| Pretax income | 154,000 | -1,680,000 | -1,584,000 | -4,242,000 |
| Income tax | 12,000 | -640,000 | -684,000 | -1,595,000 |
| Net income | 142,000 | -1,040,000 | -900,000 | -2,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,567,000 | 23,385,000 | 23,525,000 | 23,828,000 |
| Total capital | 27,623,000 | 26,467,000 | 26,568,000 | 26,864,000 |
| Risk-weighted assets | 243,544,000 | 244,222,000 | 241,018,000 | 240,644,000 |