Call reports 2012
SOUND COMMUNITY BANK — 2012
What SOUND COMMUNITY 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 | 348,599,000 | 355,011,000 | 366,675,000 | 381,835,000 |
| Total loans | 301,881,000 | 307,447,000 | 311,088,000 | 328,469,000 |
| Allowance for loan losses | 4,350,000 | 4,449,000 | 4,333,000 | 4,247,000 |
| Securities available for sale | 3,785,000 | 9,801,000 | 21,662,000 | 23,673,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 309,766,000 | 315,442,000 | 318,795,000 | 319,148,000 |
| Interest-bearing deposits | 280,209,000 | 285,298,000 | 285,964,000 | 283,152,000 |
| Noninterest-bearing deposits | 29,557,000 | 30,144,000 | 32,831,000 | 35,996,000 |
| Equity capital | 29,010,000 | 29,608,000 | 37,879,000 | 38,813,000 |
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 | 4,718,000 | 9,477,000 | 14,225,000 | 18,906,000 |
| Interest expense | 600,000 | 1,188,000 | 1,784,000 | 2,360,000 |
| Net interest income | 4,118,000 | 8,289,000 | 12,441,000 | 16,546,000 |
| Noninterest income | 1,102,000 | 1,846,000 | 2,731,000 | 4,160,000 |
| Noninterest expense | 2,770,000 | 5,599,000 | 8,512,000 | 11,732,000 |
| Provision for loan losses | 1,500,000 | 2,600,000 | 3,675,000 | 4,525,000 |
| Pretax income | 859,000 | 1,812,000 | 2,829,000 | 4,284,000 |
| Income tax | 292,000 | 631,000 | 998,000 | 1,520,000 |
| Net income | 567,000 | 1,181,000 | 1,831,000 | 2,764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,650,000 | 29,329,000 | 37,568,000 | 38,325,000 |
| Total capital | 31,948,000 | 32,734,000 | 40,992,000 | 41,944,000 |
| Risk-weighted assets | 263,541,000 | 271,433,000 | 273,026,000 | 289,153,000 |