Call reports 2012
ATLAS BANK — 2012
What ATLAS 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 | 107,772,000 | 107,751,000 | 107,880,000 | 106,919,000 |
| Total loans | 64,231,000 | 62,024,000 | 61,451,000 | 58,974,000 |
| Allowance for loan losses | 778,000 | 778,000 | 778,000 | 695,000 |
| Securities available for sale | 29,240,000 | 31,780,000 | 30,763,000 | 32,919,000 |
| Securities held to maturity | 5,372,000 | 4,960,000 | 4,582,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,373,000 | 90,065,000 | 90,478,000 | 89,627,000 |
| Interest-bearing deposits | 88,435,000 | 88,068,000 | 88,026,000 | 87,234,000 |
| Noninterest-bearing deposits | 1,938,000 | 1,997,000 | 2,452,000 | 2,393,000 |
| Equity capital | 16,870,000 | 17,001,000 | 16,928,000 | 16,277,000 |
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 | 1,211,000 | 2,468,000 | 3,427,000 | 4,169,000 |
| Interest expense | 322,000 | 623,000 | 901,000 | 1,171,000 |
| Net interest income | 889,000 | 1,845,000 | 2,526,000 | 2,998,000 |
| Noninterest income | 27,000 | 51,000 | 58,000 | -105,000 |
| Noninterest expense | 558,000 | 1,278,000 | 2,179,000 | 3,082,000 |
| Provision for loan losses | 47,000 | 47,000 | 47,000 | 182,000 |
| Pretax income | 311,000 | 571,000 | 358,000 | -316,000 |
| Income tax | 142,000 | 229,000 | 199,000 | -110,000 |
| Net income | 169,000 | 342,000 | 159,000 | -206,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,896,000 | 17,091,000 | 16,688,000 | 15,792,000 |
| Total capital | 17,639,000 | 17,818,000 | 17,404,000 | 16,487,000 |
| Risk-weighted assets | 59,479,000 | 58,128,000 | 57,228,000 | 57,420,000 |