Call reports 2010
COMMUNITY BANK OF PICKENS COUNTY — 2010
What COMMUNITY BANK OF PICKENS COUNTY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 309,779,000 | 315,430,000 | 302,141,000 | 301,524,000 |
| Total loans | 232,060,000 | 231,202,000 | 222,605,000 | 225,944,000 |
| Allowance for loan losses | 5,752,000 | 7,219,000 | 4,469,000 | 4,577,000 |
| Securities available for sale | 35,364,000 | 43,977,000 | 42,305,000 | 39,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 279,683,000 | 286,611,000 | 275,668,000 | 269,821,000 |
| Interest-bearing deposits | 269,552,000 | 277,179,000 | 266,032,000 | 259,392,000 |
| Noninterest-bearing deposits | 10,131,000 | 9,432,000 | 9,636,000 | 10,429,000 |
| Equity capital | 23,687,000 | 23,155,000 | 20,831,000 | 20,590,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,982,000 | 7,770,000 | 11,583,000 | 15,441,000 |
| Interest expense | 1,814,000 | 3,602,000 | 5,217,000 | 6,660,000 |
| Net interest income | 2,168,000 | 4,168,000 | 6,366,000 | 8,781,000 |
| Noninterest income | 381,000 | 505,000 | 439,000 | 1,045,000 |
| Noninterest expense | 1,598,000 | 3,433,000 | 5,920,000 | 7,717,000 |
| Provision for loan losses | 891,000 | 2,880,000 | 6,080,000 | 6,815,000 |
| Pretax income | 74,000 | -1,593,000 | -5,141,000 | -4,353,000 |
| Income tax | -45,000 | -745,000 | -2,160,000 | -1,821,000 |
| Net income | 119,000 | -848,000 | -2,981,000 | -2,532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,947,000 | 22,980,000 | 19,259,000 | 18,347,000 |
| Total capital | 26,957,000 | 25,987,000 | 22,156,000 | 21,234,000 |
| Risk-weighted assets | 238,052,000 | 236,783,000 | 230,212,000 | 229,230,000 |