Call reports 2012
BANK NORTH — 2012
What BANK NORTH 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 | 118,595,000 | 122,422,000 | 120,583,000 | 122,984,000 |
| Total loans | 80,081,000 | 83,222,000 | 82,261,000 | 83,509,000 |
| Allowance for loan losses | 1,368,000 | 1,416,000 | 1,452,000 | 1,435,000 |
| Securities available for sale | 34,810,000 | 34,910,000 | 34,218,000 | 33,946,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,766,000 | 100,608,000 | 100,975,000 | 102,925,000 |
| Interest-bearing deposits | 83,586,000 | 84,168,000 | 85,256,000 | 86,642,000 |
| Noninterest-bearing deposits | 15,180,000 | 16,440,000 | 15,719,000 | 16,283,000 |
| Equity capital | 13,799,000 | 13,942,000 | 14,008,000 | 13,986,000 |
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 | 1,361,000 | 2,715,000 | 4,104,000 | 5,486,000 |
| Interest expense | 188,000 | 374,000 | 569,000 | 756,000 |
| Net interest income | 1,173,000 | 2,341,000 | 3,535,000 | 4,730,000 |
| Noninterest income | 70,000 | 177,000 | 232,000 | 405,000 |
| Noninterest expense | 905,000 | 1,828,000 | 2,698,000 | 3,705,000 |
| Provision for loan losses | 10,000 | 53,000 | 138,000 | 258,000 |
| Pretax income | 328,000 | 637,000 | 934,000 | 1,175,000 |
| Income tax | 95,000 | 185,000 | 272,000 | 328,000 |
| Net income | 233,000 | 452,000 | 662,000 | 847,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,257,000 | 13,309,000 | 13,354,000 | 13,372,000 |
| Total capital | 14,154,000 | 14,235,000 | 14,263,000 | 14,298,000 |
| Risk-weighted assets | 71,260,000 | 73,550,000 | 72,219,000 | 73,604,000 |