Call reports 2012
FIRST INDEPENDENCE BANK — 2012
What FIRST INDEPENDENCE 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 | 170,815,000 | 192,372,000 | 215,924,000 | 184,413,000 |
| Total loans | 104,513,000 | 109,856,000 | 127,375,000 | 135,267,000 |
| Allowance for loan losses | 2,122,000 | 2,107,000 | 2,060,000 | 1,937,000 |
| Securities available for sale | 12,942,000 | 11,568,000 | 9,350,000 | 8,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,933,000 | 158,609,000 | 178,638,000 | 147,650,000 |
| Interest-bearing deposits | 71,174,000 | 70,853,000 | 68,946,000 | 65,153,000 |
| Noninterest-bearing deposits | 75,759,000 | 87,756,000 | 109,692,000 | 82,497,000 |
| Equity capital | 15,294,000 | 16,500,000 | 17,160,000 | 17,422,000 |
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 | 1,551,000 | 3,457,000 | 5,595,000 | 7,465,000 |
| Interest expense | 62,000 | 196,000 | 338,000 | 497,000 |
| Net interest income | 1,489,000 | 3,261,000 | 5,257,000 | 6,968,000 |
| Noninterest income | 1,049,000 | 4,956,000 | 8,464,000 | 12,068,000 |
| Noninterest expense | 2,440,000 | 6,769,000 | 11,376,000 | 16,304,000 |
| Provision for loan losses | 0 | -311,000 | -311,000 | -311,000 |
| Pretax income | 98,000 | 1,759,000 | 2,656,000 | 3,043,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 98,000 | 1,348,000 | 2,033,000 | 2,339,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,178,000 | 18,857,000 | 19,759,000 | 20,145,000 |
| Total capital | 16,523,000 | 20,331,000 | 21,410,000 | 21,852,000 |
| Risk-weighted assets | 106,328,000 | 116,799,000 | 131,201,000 | 135,625,000 |