Call reports 2014
COMMUNITY BANK OF PICKENS COUNTY — 2014
What COMMUNITY BANK OF PICKENS COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 341,646,000 | 342,560,000 | 336,353,000 | 334,034,000 |
| Total loans | 251,613,000 | 251,713,000 | 251,084,000 | 241,455,000 |
| Allowance for loan losses | 3,141,000 | 2,412,000 | 2,346,000 | 3,454,000 |
| Securities available for sale | 37,360,000 | 37,819,000 | 37,295,000 | 40,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 312,174,000 | 312,086,000 | 303,624,000 | 301,494,000 |
| Interest-bearing deposits | 289,996,000 | 288,756,000 | 278,211,000 | 275,850,000 |
| Noninterest-bearing deposits | 22,178,000 | 23,330,000 | 25,413,000 | 25,644,000 |
| Equity capital | 24,897,000 | 26,300,000 | 27,759,000 | 28,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,854,000 | 7,617,000 | 11,535,000 | 15,314,000 |
| Interest expense | 789,000 | 1,582,000 | 2,362,000 | 3,116,000 |
| Net interest income | 3,065,000 | 6,035,000 | 9,173,000 | 12,198,000 |
| Noninterest income | 666,000 | 1,556,000 | 2,222,000 | 3,162,000 |
| Noninterest expense | 2,075,000 | 4,228,000 | 6,464,000 | 8,734,000 |
| Provision for loan losses | 0 | 530,000 | 530,000 | 2,030,000 |
| Pretax income | 1,656,000 | 2,833,000 | 4,401,000 | 4,596,000 |
| Income tax | 570,000 | 963,000 | 1,506,000 | 1,572,000 |
| Net income | 1,086,000 | 1,870,000 | 2,895,000 | 3,024,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,769,000 | 25,964,000 | 27,955,000 | 28,180,000 |
| Total capital | 27,910,000 | 28,376,000 | 30,301,000 | 31,377,000 |
| Risk-weighted assets | 260,445,000 | 264,997,000 | 260,048,000 | 255,467,000 |