Call reports 2012
CALUMET BANK — 2012
What CALUMET 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 | 117,316,000 | 112,856,000 | 114,608,000 | 122,695,000 |
| Total loans | 72,319,000 | 75,020,000 | 76,422,000 | 84,206,000 |
| Allowance for loan losses | 1,124,000 | 1,195,000 | 1,085,000 | 1,137,000 |
| Securities available for sale | 18,712,000 | 18,794,000 | 19,611,000 | 18,814,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,642,000 | 95,917,000 | 97,320,000 | 105,185,000 |
| Interest-bearing deposits | 84,277,000 | 75,147,000 | 75,681,000 | 83,368,000 |
| Noninterest-bearing deposits | 18,365,000 | 20,770,000 | 21,639,000 | 21,817,000 |
| Equity capital | 13,534,000 | 13,803,000 | 13,935,000 | 14,133,000 |
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 | 1,209,000 | 2,412,000 | 3,623,000 | 4,873,000 |
| Interest expense | 178,000 | 319,000 | 443,000 | 571,000 |
| Net interest income | 1,031,000 | 2,093,000 | 3,180,000 | 4,302,000 |
| Noninterest income | 173,000 | 258,000 | 428,000 | 529,000 |
| Noninterest expense | 820,000 | 1,685,000 | 2,934,000 | 3,744,000 |
| Provision for loan losses | 88,000 | 159,000 | 158,000 | 226,000 |
| Pretax income | 296,000 | 658,000 | 792,000 | 1,269,000 |
| Income tax | 109,000 | 250,000 | 293,000 | 418,000 |
| Net income | 187,000 | 408,000 | 499,000 | 851,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,313,000 | 13,693,000 | 13,783,000 | 14,136,000 |
| Total capital | 14,257,000 | 14,659,000 | 14,785,000 | 15,248,000 |
| Risk-weighted assets | 75,377,000 | 77,061,000 | 80,053,000 | 89,046,000 |