Call reports 2012
SALYERSVILLE NATIONAL BANK, THE — 2012
What SALYERSVILLE NATIONAL BANK, THE 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 | 114,409,000 | 115,034,000 | 119,175,000 | 110,943,000 |
| Total loans | 50,313,000 | 50,391,000 | 50,180,000 | 50,253,000 |
| Allowance for loan losses | 388,000 | 409,000 | 412,000 | 412,000 |
| Securities available for sale | 49,936,000 | 49,744,000 | 50,706,000 | 50,491,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,388,000 | 98,088,000 | 102,434,000 | 94,575,000 |
| Interest-bearing deposits | 79,667,000 | 80,277,000 | 85,925,000 | 77,722,000 |
| Noninterest-bearing deposits | 17,721,000 | 17,811,000 | 16,509,000 | 16,853,000 |
| Equity capital | 14,588,000 | 14,517,000 | 14,733,000 | 14,303,000 |
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 | 1,061,000 | 2,141,000 | 3,208,000 | 4,319,000 |
| Interest expense | 164,000 | 325,000 | 479,000 | 601,000 |
| Net interest income | 897,000 | 1,816,000 | 2,729,000 | 3,718,000 |
| Noninterest income | 94,000 | 192,000 | 285,000 | 378,000 |
| Noninterest expense | 668,000 | 1,368,000 | 2,074,000 | 2,830,000 |
| Provision for loan losses | 0 | 100,000 | 100,000 | 100,000 |
| Pretax income | 370,000 | 608,000 | 991,000 | 1,478,000 |
| Income tax | 69,000 | 119,000 | 209,000 | 307,000 |
| Net income | 282,000 | 448,000 | 716,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,379,000 | 14,245,000 | 14,514,000 | 14,293,000 |
| Total capital | 14,767,000 | 14,654,000 | 14,926,000 | 14,705,000 |
| Risk-weighted assets | 48,853,000 | 53,350,000 | 50,403,000 | 51,803,000 |