Call reports 2012
CONGAREE STATE BANK — 2012
What CONGAREE 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 | 120,466,000 | 120,069,000 | 118,422,000 | 113,430,000 |
| Total loans | 84,412,000 | 84,451,000 | 82,728,000 | 80,649,000 |
| Allowance for loan losses | 1,533,000 | 1,718,000 | 1,449,000 | 1,295,000 |
| Securities available for sale | 26,602,000 | 23,281,000 | 23,685,000 | 23,464,000 |
| Securities held to maturity | 0 | 3,521,000 | 3,513,000 | 3,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,476,000 | 99,713,000 | 98,888,000 | 94,806,000 |
| Interest-bearing deposits | 90,228,000 | 88,130,000 | 86,255,000 | 79,720,000 |
| Noninterest-bearing deposits | 10,248,000 | 11,583,000 | 12,633,000 | 15,086,000 |
| Equity capital | 12,818,000 | 13,101,000 | 13,231,000 | 12,437,000 |
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 | 1,377,000 | 2,739,000 | 4,029,000 | 5,320,000 |
| Interest expense | 207,000 | 398,000 | 574,000 | 734,000 |
| Net interest income | 1,170,000 | 2,341,000 | 3,455,000 | 4,586,000 |
| Noninterest income | 118,000 | 213,000 | 302,000 | 428,000 |
| Noninterest expense | 1,066,000 | 2,110,000 | 3,093,000 | 4,134,000 |
| Provision for loan losses | 177,000 | 369,000 | 619,000 | 714,000 |
| Pretax income | 166,000 | 373,000 | 495,000 | 686,000 |
| Income tax | -353,000 | -340,000 | -335,000 | -331,000 |
| Net income | 519,000 | 713,000 | 830,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,462,000 | 12,764,000 | 12,836,000 | 11,676,000 |
| Total capital | 13,499,000 | 13,810,000 | 13,848,000 | 12,681,000 |
| Risk-weighted assets | 82,470,000 | 82,253,000 | 80,518,000 | 79,331,000 |