Call reports 2012
FOREST COMMERCIAL BANK — 2012
What FOREST COMMERCIAL 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 | 124,191,000 | 131,440,000 | 134,218,000 | 137,863,000 |
| Total loans | 97,306,000 | 104,067,000 | 102,522,000 | 106,778,000 |
| Allowance for loan losses | 1,405,000 | 1,500,000 | 1,478,000 | 1,528,000 |
| Securities available for sale | 18,018,000 | 17,087,000 | 17,393,000 | 17,517,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 103,582,000 | 104,263,000 | 108,325,000 | 113,633,000 |
| Interest-bearing deposits | 93,750,000 | 94,395,000 | 96,220,000 | 97,820,000 |
| Noninterest-bearing deposits | 9,832,000 | 9,868,000 | 12,105,000 | 15,813,000 |
| Equity capital | 18,387,000 | 18,597,000 | 19,254,000 | 19,353,000 |
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 | 1,422,000 | 2,925,000 | 4,415,000 | 5,880,000 |
| Interest expense | 280,000 | 558,000 | 817,000 | 1,046,000 |
| Net interest income | 1,142,000 | 2,367,000 | 3,598,000 | 4,834,000 |
| Noninterest income | 233,000 | 517,000 | 879,000 | 1,269,000 |
| Noninterest expense | 1,304,000 | 2,646,000 | 3,994,000 | 5,275,000 |
| Provision for loan losses | 101,000 | 197,000 | 175,000 | 225,000 |
| Pretax income | 1,000 | 74,000 | 341,000 | 636,000 |
| Income tax | 0 | 0 | -304,000 | -188,000 |
| Net income | 1,000 | 74,000 | 645,000 | 824,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,027,000 | 18,107,000 | 18,625,000 | 18,985,000 |
| Total capital | 19,381,000 | 19,528,000 | 20,001,000 | 20,320,000 |
| Risk-weighted assets | 108,219,000 | 113,587,000 | 109,938,000 | 114,626,000 |