Call reports 2012
BANK OF ST. AUGUSTINE — 2012
What BANK OF ST. AUGUSTINE 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 | 186,208,000 | 178,310,000 | 165,935,000 | 167,712,000 |
| Total loans | 136,514,000 | 134,012,000 | 132,638,000 | 131,888,000 |
| Allowance for loan losses | 2,673,000 | 2,648,000 | 2,684,000 | 2,643,000 |
| Securities available for sale | 21,031,000 | 16,363,000 | 12,431,000 | 14,122,000 |
| Securities held to maturity | 1,226,000 | 1,171,000 | 1,087,000 | 985,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,037,000 | 150,967,000 | 141,274,000 | 142,796,000 |
| Interest-bearing deposits | 129,846,000 | 123,669,000 | 113,992,000 | 112,907,000 |
| Noninterest-bearing deposits | 29,191,000 | 27,298,000 | 27,282,000 | 29,889,000 |
| Equity capital | 13,518,000 | 13,583,000 | 13,981,000 | 14,259,000 |
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 | 1,725,000 | 3,540,000 | 5,300,000 | 6,916,000 |
| Interest expense | 359,000 | 684,000 | 1,039,000 | 1,288,000 |
| Net interest income | 1,366,000 | 2,856,000 | 4,261,000 | 5,628,000 |
| Noninterest income | 144,000 | 319,000 | 482,000 | 634,000 |
| Noninterest expense | 1,346,000 | 2,697,000 | 3,990,000 | 5,340,000 |
| Provision for loan losses | 1,102,000 | 1,452,000 | 1,677,000 | 2,221,000 |
| Pretax income | -890,000 | -879,000 | -782,000 | -1,098,000 |
| Income tax | -1,221,000 | -1,217,000 | -1,180,000 | -1,297,000 |
| Net income | 331,000 | 338,000 | 398,000 | 199,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,223,000 | 12,360,000 | 12,864,000 | 13,046,000 |
| Total capital | 13,822,000 | 13,923,000 | 14,357,000 | 14,551,000 |
| Risk-weighted assets | 126,800,000 | 123,120,000 | 118,216,000 | 119,192,000 |