Call reports 2012
JOHN O. MELBY & CO. BANK — 2012
What JOHN O. MELBY & CO. 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 | 41,931,000 | 41,249,000 | 41,484,000 | 43,664,000 |
| Total loans | 26,300,000 | 26,123,000 | 24,740,000 | 22,367,000 |
| Allowance for loan losses | 309,000 | 316,000 | 323,000 | 329,000 |
| Securities available for sale | 7,589,000 | 8,432,000 | 7,730,000 | 8,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,502,000 | 33,788,000 | 33,944,000 | 36,311,000 |
| Interest-bearing deposits | 30,471,000 | 30,151,000 | 30,213,000 | 32,251,000 |
| Noninterest-bearing deposits | 4,031,000 | 3,637,000 | 3,731,000 | 4,060,000 |
| Equity capital | 7,385,000 | 7,415,000 | 7,479,000 | 7,313,000 |
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 | 397,000 | 780,000 | 1,150,000 | 1,503,000 |
| Interest expense | 46,000 | 88,000 | 128,000 | 162,000 |
| Net interest income | 351,000 | 692,000 | 1,022,000 | 1,341,000 |
| Noninterest income | 17,000 | 40,000 | 60,000 | 78,000 |
| Noninterest expense | 291,000 | 569,000 | 838,000 | 1,123,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 71,000 | 151,000 | 226,000 | 272,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 71,000 | 150,000 | 225,000 | 271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,492,000 | 4,514,000 | 4,601,000 | 4,468,000 |
| Total capital | 4,801,000 | 4,829,000 | 4,895,000 | 4,743,000 |
| Risk-weighted assets | 24,716,000 | 25,212,000 | 23,525,000 | 21,907,000 |
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