Call reports 2012
ISLANDERS BANK — 2012
What ISLANDERS 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 | 227,012,000 | 229,083,000 | 236,412,000 | 235,319,000 |
| Total loans | 179,616,000 | 181,579,000 | 178,026,000 | 181,190,000 |
| Allowance for loan losses | 2,820,000 | 2,836,000 | 2,860,000 | 3,017,000 |
| Securities available for sale | 0 | 0 | 0 | 5,644,000 |
| Securities held to maturity | 0 | 808,000 | 808,000 | 2,778,000 |
| Trading assets | 1,391,000 | 1,388,000 | 1,384,000 | 1,182,000 |
| Total deposits | 195,364,000 | 197,523,000 | 204,538,000 | 202,582,000 |
| Interest-bearing deposits | 150,653,000 | 150,606,000 | 148,797,000 | 150,579,000 |
| Noninterest-bearing deposits | 44,711,000 | 46,918,000 | 55,741,000 | 52,003,000 |
| Equity capital | 29,876,000 | 30,176,000 | 30,483,000 | 31,483,000 |
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 | 2,704,000 | 5,383,000 | 8,028,000 | 10,611,000 |
| Interest expense | 258,000 | 481,000 | 678,000 | 857,000 |
| Net interest income | 2,446,000 | 4,902,000 | 7,350,000 | 9,754,000 |
| Noninterest income | 278,000 | 620,000 | 920,000 | 1,826,000 |
| Noninterest expense | 1,685,000 | 3,261,000 | 4,779,000 | 6,133,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 739,000 | 1,661,000 | 2,591,000 | 4,247,000 |
| Income tax | 247,000 | 560,000 | 874,000 | 1,163,000 |
| Net income | 492,000 | 1,101,000 | 1,717,000 | 3,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,607,000 | 29,023,000 | 29,443,000 | 30,558,000 |
| Total capital | 30,967,000 | 31,364,000 | 31,768,000 | 32,913,000 |
| Risk-weighted assets | 188,324,000 | 186,804,000 | 185,440,000 | 187,732,000 |