Call reports 2012
FIRST BANK OF BELOIT — 2012
What FIRST BANK OF BELOIT 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 | 75,578,000 | 73,819,000 | 74,082,000 | 75,606,000 |
| Total loans | 36,405,000 | 37,509,000 | 38,434,000 | 41,233,000 |
| Allowance for loan losses | 412,000 | 413,000 | 514,000 | 514,000 |
| Securities available for sale | 24,983,000 | 24,853,000 | 23,594,000 | 21,907,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,080,000 | 63,389,000 | 59,440,000 | 65,097,000 |
| Interest-bearing deposits | 49,570,000 | 46,825,000 | 42,819,000 | 47,107,000 |
| Noninterest-bearing deposits | 16,510,000 | 16,564,000 | 16,621,000 | 17,990,000 |
| Equity capital | 8,254,000 | 8,415,000 | 8,364,000 | 8,321,000 |
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 | 638,000 | 1,286,000 | 1,929,000 | 2,574,000 |
| Interest expense | 95,000 | 185,000 | 274,000 | 357,000 |
| Net interest income | 543,000 | 1,101,000 | 1,655,000 | 2,217,000 |
| Noninterest income | 74,000 | 143,000 | 211,000 | 289,000 |
| Noninterest expense | 467,000 | 950,000 | 1,411,000 | 1,902,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 150,000 | 294,000 | 355,000 | 504,000 |
| Income tax | 30,000 | 58,000 | 93,000 | 102,000 |
| Net income | 120,000 | 236,000 | 262,000 | 402,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,129,000 | 8,245,000 | 8,162,000 | 8,136,000 |
| Total capital | 8,541,000 | 8,658,000 | 8,676,000 | 8,650,000 |
| Risk-weighted assets | 45,987,000 | 46,310,000 | 47,295,000 | 49,590,000 |