Call reports 2012
TOUCHSTONE BANK — 2012
What TOUCHSTONE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 209,527,000 | 208,532,000 | 210,225,000 | 211,883,000 |
| Total loans | 149,832,000 | 150,261,000 | 152,450,000 | 151,929,000 |
| Allowance for loan losses | 2,566,000 | 1,993,000 | 2,241,000 | 2,300,000 |
| Securities available for sale | 23,909,000 | 20,046,000 | 16,640,000 | 19,306,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,898,000 | 183,927,000 | 185,237,000 | 187,172,000 |
| Interest-bearing deposits | 151,678,000 | 151,082,000 | 150,110,000 | 152,403,000 |
| Noninterest-bearing deposits | 33,220,000 | 32,845,000 | 35,127,000 | 34,769,000 |
| Equity capital | 20,744,000 | 20,957,000 | 21,210,000 | 21,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,548,000 | 5,108,000 | 7,629,000 | 10,224,000 |
| Interest expense | 429,000 | 833,000 | 1,227,000 | 1,599,000 |
| Net interest income | 2,119,000 | 4,275,000 | 6,402,000 | 8,625,000 |
| Noninterest income | 658,000 | 1,090,000 | 1,472,000 | 1,930,000 |
| Noninterest expense | 1,839,000 | 3,770,000 | 5,983,000 | 7,790,000 |
| Provision for loan losses | 490,000 | 1,002,000 | 1,252,000 | 1,426,000 |
| Pretax income | 506,000 | 803,000 | 849,000 | 1,550,000 |
| Income tax | 122,000 | 167,000 | 140,000 | 342,000 |
| Net income | 384,000 | 636,000 | 709,000 | 1,208,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,801,000 | 21,053,000 | 21,125,000 | 21,104,000 |
| Total capital | 22,698,000 | 22,916,000 | 23,071,000 | 23,061,000 |
| Risk-weighted assets | 161,642,000 | 164,149,000 | 165,864,000 | 166,687,000 |