Call reports 2011
COMMUNITY BANK OF PICKENS COUNTY — 2011
What COMMUNITY BANK OF PICKENS COUNTY 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 | 298,525,000 | 299,471,000 | 302,154,000 | 297,360,000 |
| Total loans | 214,867,000 | 213,164,000 | 213,055,000 | 212,626,000 |
| Allowance for loan losses | 4,246,000 | 4,715,000 | 5,395,000 | 5,131,000 |
| Securities available for sale | 40,609,000 | 42,488,000 | 42,829,000 | 42,713,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,263,000 | 276,126,000 | 278,276,000 | 276,991,000 |
| Interest-bearing deposits | 262,263,000 | 265,997,000 | 263,589,000 | 261,751,000 |
| Noninterest-bearing deposits | 10,000,000 | 10,129,000 | 14,687,000 | 15,240,000 |
| Equity capital | 20,500,000 | 17,781,000 | 18,219,000 | 14,767,000 |
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 | 3,266,000 | 6,299,000 | 9,797,000 | 12,898,000 |
| Interest expense | 1,266,000 | 2,492,000 | 3,680,000 | 4,835,000 |
| Net interest income | 2,000,000 | 3,807,000 | 6,117,000 | 8,063,000 |
| Noninterest income | 286,000 | -168,000 | 54,000 | 207,000 |
| Noninterest expense | 1,946,000 | 3,736,000 | 5,345,000 | 8,060,000 |
| Provision for loan losses | 800,000 | 5,576,000 | 6,701,000 | 6,891,000 |
| Pretax income | -460,000 | -5,759,000 | -5,922,000 | -6,728,000 |
| Income tax | -219,000 | -2,266,000 | -2,375,000 | 169,000 |
| Net income | -241,000 | -3,493,000 | -3,547,000 | -6,897,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,601,000 | 12,940,000 | 13,206,000 | 12,480,000 |
| Total capital | 20,462,000 | 15,745,000 | 16,051,000 | 15,321,000 |
| Risk-weighted assets | 227,521,000 | 222,516,000 | 225,039,000 | 224,949,000 |