Call reports 2012
SMACKOVER STATE BANK — 2012
What SMACKOVER STATE 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 | 193,500,000 | 188,270,000 | 192,703,000 | 193,962,000 |
| Total loans | 69,090,000 | 69,111,000 | 70,060,000 | 70,491,000 |
| Allowance for loan losses | 614,000 | 621,000 | 657,000 | 692,000 |
| Securities available for sale | 57,628,000 | 64,290,000 | 62,571,000 | 59,548,000 |
| Securities held to maturity | 28,485,000 | 30,597,000 | 33,787,000 | 35,641,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,365,000 | 167,829,000 | 171,773,000 | 173,169,000 |
| Interest-bearing deposits | 142,958,000 | 136,996,000 | 139,660,000 | 140,818,000 |
| Noninterest-bearing deposits | 30,407,000 | 30,833,000 | 32,113,000 | 32,351,000 |
| Equity capital | 19,249,000 | 19,565,000 | 19,972,000 | 20,189,000 |
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 | 1,727,000 | 3,443,000 | 5,139,000 | 6,824,000 |
| Interest expense | 400,000 | 780,000 | 1,112,000 | 1,426,000 |
| Net interest income | 1,327,000 | 2,663,000 | 4,027,000 | 5,398,000 |
| Noninterest income | 132,000 | 281,000 | 467,000 | 618,000 |
| Noninterest expense | 797,000 | 1,627,000 | 2,425,000 | 3,268,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 617,000 | 1,232,000 | 1,934,000 | 2,575,000 |
| Income tax | 168,000 | 302,000 | 477,000 | 623,000 |
| Net income | 449,000 | 930,000 | 1,457,000 | 1,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,307,000 | 18,638,000 | 19,015,000 | 19,360,000 |
| Total capital | 18,921,000 | 19,259,000 | 19,672,000 | 20,052,000 |
| Risk-weighted assets | 86,531,000 | 86,091,000 | 88,851,000 | 89,173,000 |