Call reports 2012
BANESCO USA — 2012
What BANESCO USA 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 | 514,138,000 | 667,321,000 | 733,157,000 | 769,402,000 |
| Total loans | 310,969,000 | 371,748,000 | 403,374,000 | 442,043,000 |
| Allowance for loan losses | 4,307,000 | 3,851,000 | 3,920,000 | 5,763,000 |
| Securities available for sale | 157,464,000 | 191,812,000 | 258,140,000 | 268,260,000 |
| Securities held to maturity | 2,000,000 | 4,000,000 | 2,000,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 424,878,000 | 558,110,000 | 618,790,000 | 650,965,000 |
| Interest-bearing deposits | 244,467,000 | 328,320,000 | 382,791,000 | 422,846,000 |
| Noninterest-bearing deposits | 180,411,000 | 229,790,000 | 235,999,000 | 228,119,000 |
| Equity capital | 44,070,000 | 66,344,000 | 67,786,000 | 66,337,000 |
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 | 5,115,000 | 11,180,000 | 17,742,000 | 24,924,000 |
| Interest expense | 537,000 | 1,145,000 | 1,845,000 | 2,674,000 |
| Net interest income | 4,578,000 | 10,035,000 | 15,897,000 | 22,250,000 |
| Noninterest income | 983,000 | 4,527,000 | 6,031,000 | 7,130,000 |
| Noninterest expense | 4,569,000 | 10,845,000 | 18,019,000 | 25,604,000 |
| Provision for loan losses | 251,000 | 567,000 | 943,000 | 2,403,000 |
| Pretax income | 1,075,000 | 3,704,000 | 4,162,000 | 4,282,000 |
| Income tax | 408,000 | 1,371,000 | 1,550,000 | 1,591,000 |
| Net income | 667,000 | 2,333,000 | 2,612,000 | 2,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,820,000 | 65,124,000 | 65,043,000 | 63,545,000 |
| Total capital | 46,627,000 | 69,139,000 | 69,158,000 | 69,504,000 |
| Risk-weighted assets | 304,032,000 | 376,414,000 | 433,027,000 | 478,553,000 |