Call reports 2013
COMMUNITY BANK OF PICKENS COUNTY — 2013
What COMMUNITY BANK OF PICKENS COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 317,200,000 | 320,591,000 | 332,670,000 | 336,299,000 |
| Total loans | 236,466,000 | 243,111,000 | 251,044,000 | 250,620,000 |
| Allowance for loan losses | 3,810,000 | 4,063,000 | 4,613,000 | 3,465,000 |
| Securities available for sale | 40,612,000 | 39,775,000 | 37,391,000 | 36,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,108,000 | 300,690,000 | 305,547,000 | 308,519,000 |
| Interest-bearing deposits | 280,209,000 | 281,547,000 | 284,470,000 | 282,165,000 |
| Noninterest-bearing deposits | 16,899,000 | 19,143,000 | 21,077,000 | 26,354,000 |
| Equity capital | 15,966,000 | 15,598,000 | 22,618,000 | 23,316,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,563,000 | 7,299,000 | 11,107,000 | 15,069,000 |
| Interest expense | 881,000 | 1,749,000 | 2,599,000 | 3,419,000 |
| Net interest income | 2,682,000 | 5,550,000 | 8,508,000 | 11,650,000 |
| Noninterest income | 411,000 | 1,377,000 | 2,546,000 | 3,495,000 |
| Noninterest expense | 2,188,000 | 4,565,000 | 7,048,000 | 9,696,000 |
| Provision for loan losses | 150,000 | 533,000 | 958,000 | 958,000 |
| Pretax income | 755,000 | 1,829,000 | 3,048,000 | 4,491,000 |
| Income tax | 236,000 | 592,000 | -1,871,000 | -1,378,000 |
| Net income | 519,000 | 1,237,000 | 4,919,000 | 5,869,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,459,000 | 15,016,000 | 21,591,000 | 23,106,000 |
| Total capital | 17,539,000 | 18,154,000 | 24,879,000 | 26,338,000 |
| Risk-weighted assets | 245,646,000 | 250,095,000 | 261,750,000 | 258,326,000 |