Call reports 2015
COMMUNITY BANK OF PICKENS COUNTY — 2015
What COMMUNITY BANK OF PICKENS COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 338,914,000 | 331,756,000 | 321,672,000 | 319,621,000 |
| Total loans | 235,845,000 | 233,057,000 | 235,910,000 | 234,732,000 |
| Allowance for loan losses | 3,046,000 | 3,005,000 | 2,917,000 | 2,814,000 |
| Securities available for sale | 40,550,000 | 42,611,000 | 39,961,000 | 39,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,344,000 | 297,593,000 | 287,258,000 | 285,619,000 |
| Interest-bearing deposits | 279,269,000 | 272,183,000 | 261,008,000 | 256,906,000 |
| Noninterest-bearing deposits | 26,075,000 | 25,410,000 | 26,250,000 | 28,713,000 |
| Equity capital | 29,278,000 | 28,821,000 | 29,576,000 | 29,608,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,613,000 | 7,151,000 | 10,750,000 | 14,314,000 |
| Interest expense | 726,000 | 1,458,000 | 2,172,000 | 2,849,000 |
| Net interest income | 2,887,000 | 5,693,000 | 8,578,000 | 11,465,000 |
| Noninterest income | 161,000 | 699,000 | 1,794,000 | 2,328,000 |
| Noninterest expense | 2,120,000 | 5,124,000 | 7,990,000 | 10,505,000 |
| Provision for loan losses | 0 | 310,000 | 949,000 | 1,889,000 |
| Pretax income | 928,000 | 958,000 | 1,443,000 | 1,409,000 |
| Income tax | 302,000 | 263,000 | 396,000 | 369,000 |
| Net income | 626,000 | 695,000 | 1,047,000 | 1,040,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,124,000 | 28,385,000 | 28,193,000 | 28,794,000 |
| Total capital | 31,170,000 | 31,390,000 | 31,110,000 | 31,608,000 |
| Risk-weighted assets | 253,346,000 | 247,636,000 | 247,985,000 | 246,657,000 |