Call reports 2012
21ST CENTURY BANK — 2012
What 21ST CENTURY 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 | 364,581,000 | 363,539,000 | 346,850,000 | 357,409,000 |
| Total loans | 280,079,000 | 276,523,000 | 276,601,000 | 270,075,000 |
| Allowance for loan losses | 4,800,000 | 4,308,000 | 3,751,000 | 2,850,000 |
| Securities available for sale | 53,838,000 | 43,820,000 | 29,679,000 | 47,515,000 |
| Securities held to maturity | 585,000 | 585,000 | 552,000 | 552,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 317,820,000 | 317,159,000 | 299,994,000 | 310,196,000 |
| Interest-bearing deposits | 267,911,000 | 262,457,000 | 244,021,000 | 253,565,000 |
| Noninterest-bearing deposits | 49,909,000 | 54,702,000 | 55,973,000 | 56,631,000 |
| Equity capital | 44,803,000 | 44,767,000 | 44,925,000 | 45,547,000 |
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 | 4,009,000 | 7,784,000 | 11,511,000 | 14,963,000 |
| Interest expense | 434,000 | 824,000 | 1,193,000 | 1,545,000 |
| Net interest income | 3,575,000 | 6,960,000 | 10,318,000 | 13,418,000 |
| Noninterest income | -101,000 | -197,000 | -953,000 | -879,000 |
| Noninterest expense | 1,942,000 | 3,772,000 | 5,625,000 | 7,428,000 |
| Provision for loan losses | 975,000 | 2,749,000 | 3,424,000 | 3,700,000 |
| Pretax income | 629,000 | 475,000 | 717,000 | 2,267,000 |
| Income tax | 268,000 | 203,000 | 293,000 | 911,000 |
| Net income | 361,000 | 272,000 | 424,000 | 1,356,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,680,000 | 44,591,000 | 44,744,000 | 45,675,000 |
| Total capital | 48,189,000 | 48,054,000 | 47,771,000 | 48,525,000 |
| Risk-weighted assets | 279,460,000 | 276,702,000 | 267,492,000 | 257,760,000 |