Call reports 2012
BANK OF FAYETTE COUNTY, THE — 2012
What BANK OF FAYETTE COUNTY, THE 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 | 304,413,000 | 301,061,000 | 309,614,000 | 309,659,000 |
| Total loans | 235,677,000 | 244,535,000 | 250,494,000 | 247,210,000 |
| Allowance for loan losses | 3,276,000 | 3,143,000 | 3,328,000 | 3,762,000 |
| Securities available for sale | 32,047,000 | 30,583,000 | 27,279,000 | 32,600,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 252,562,000 | 246,140,000 | 259,842,000 | 271,595,000 |
| Interest-bearing deposits | 222,522,000 | 216,167,000 | 226,451,000 | 237,252,000 |
| Noninterest-bearing deposits | 30,040,000 | 29,974,000 | 33,390,000 | 34,344,000 |
| Equity capital | 28,051,000 | 28,734,000 | 28,567,000 | 28,891,000 |
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 | 3,600,000 | 7,354,000 | 11,176,000 | 14,967,000 |
| Interest expense | 850,000 | 1,673,000 | 2,428,000 | 3,091,000 |
| Net interest income | 2,750,000 | 5,681,000 | 8,748,000 | 11,876,000 |
| Noninterest income | 214,000 | 379,000 | 546,000 | 862,000 |
| Noninterest expense | 1,894,000 | 3,910,000 | 6,046,000 | 8,309,000 |
| Provision for loan losses | 323,000 | 600,000 | 928,000 | 1,521,000 |
| Pretax income | 747,000 | 1,659,000 | 2,596,000 | 3,185,000 |
| Income tax | 228,000 | 456,000 | 729,000 | 1,168,000 |
| Net income | 519,000 | 1,203,000 | 1,867,000 | 2,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,651,000 | 28,350,000 | 28,277,000 | 28,619,000 |
| Total capital | 30,452,000 | 31,173,000 | 31,227,000 | 31,490,000 |
| Risk-weighted assets | 223,795,000 | 230,837,000 | 234,891,000 | 234,258,000 |