Call reports 2012
BANK OF THE LOWCOUNTRY — 2012
What BANK OF THE LOWCOUNTRY 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 | 168,747,000 | 162,574,000 | 155,526,000 | 155,301,000 |
| Total loans | 91,257,000 | 87,894,000 | 88,970,000 | 87,567,000 |
| Allowance for loan losses | 2,239,000 | 1,848,000 | 2,026,000 | 1,966,000 |
| Securities available for sale | 29,946,000 | 27,347,000 | 28,402,000 | 20,868,000 |
| Securities held to maturity | 200,000 | 200,000 | 200,000 | 200,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 150,089,000 | 143,657,000 | 136,420,000 | 136,252,000 |
| Interest-bearing deposits | 107,876,000 | 127,486,000 | 119,156,000 | 121,371,000 |
| Noninterest-bearing deposits | 42,213,000 | 16,171,000 | 17,264,000 | 14,881,000 |
| Equity capital | 18,137,000 | 18,336,000 | 18,511,000 | 18,538,000 |
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 | 1,586,000 | 3,087,000 | 4,583,000 | 5,979,000 |
| Interest expense | 301,000 | 558,000 | 784,000 | 992,000 |
| Net interest income | 1,285,000 | 2,529,000 | 3,799,000 | 4,987,000 |
| Noninterest income | 208,000 | 361,000 | 564,000 | 814,000 |
| Noninterest expense | 997,000 | 2,007,000 | 2,989,000 | 3,900,000 |
| Provision for loan losses | 330,000 | 605,000 | 930,000 | 1,355,000 |
| Pretax income | 166,000 | 278,000 | 444,000 | 546,000 |
| Income tax | 35,000 | 33,000 | 79,000 | 94,000 |
| Net income | 131,000 | 245,000 | 365,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,863,000 | 17,976,000 | 18,096,000 | 18,184,000 |
| Total capital | 19,114,000 | 19,214,000 | 19,336,000 | 19,390,000 |
| Risk-weighted assets | 99,164,000 | 98,397,000 | 98,412,000 | 95,848,000 |