Call reports 2012
NBW BANK — 2012
What NBW 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 | 128,504,000 | 128,102,000 | 128,581,000 | 138,178,000 |
| Total loans | 79,415,000 | 80,421,000 | 80,579,000 | 81,726,000 |
| Allowance for loan losses | 1,384,000 | 1,329,000 | 1,353,000 | 1,422,000 |
| Securities available for sale | 26,449,000 | 27,493,000 | 27,087,000 | 27,109,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 115,648,000 | 114,998,000 | 115,060,000 | 124,483,000 |
| Interest-bearing deposits | 92,275,000 | 91,804,000 | 91,370,000 | 97,327,000 |
| Noninterest-bearing deposits | 23,373,000 | 23,194,000 | 23,690,000 | 27,156,000 |
| Equity capital | 12,555,000 | 12,839,000 | 13,172,000 | 13,292,000 |
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 | 1,314,000 | 2,625,000 | 3,953,000 | 5,288,000 |
| Interest expense | 183,000 | 350,000 | 510,000 | 667,000 |
| Net interest income | 1,131,000 | 2,275,000 | 3,443,000 | 4,621,000 |
| Noninterest income | 169,000 | 306,000 | 576,000 | 780,000 |
| Noninterest expense | 805,000 | 1,558,000 | 2,446,000 | 3,317,000 |
| Provision for loan losses | 150,000 | 350,000 | 500,000 | 650,000 |
| Pretax income | 372,000 | 700,000 | 1,120,000 | 1,481,000 |
| Income tax | 90,000 | 175,000 | 306,000 | 395,000 |
| Net income | 282,000 | 525,000 | 814,000 | 1,086,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,619,000 | 11,938,000 | 12,359,000 | 12,552,000 |
| Total capital | 12,705,000 | 13,038,000 | 13,467,000 | 13,684,000 |
| Risk-weighted assets | 86,552,000 | 88,001,000 | 88,440,000 | 90,292,000 |