Call reports 2012
STATE BANK OF TOWNSEND, THE — 2012
What STATE BANK OF TOWNSEND, 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 | 48,663,000 | 48,795,000 | 47,190,000 | 50,201,000 |
| Total loans | 26,248,000 | 28,635,000 | 29,619,000 | 29,355,000 |
| Allowance for loan losses | 317,000 | 317,000 | 317,000 | 379,000 |
| Securities available for sale | 6,631,000 | 6,854,000 | 5,722,000 | 5,187,000 |
| Securities held to maturity | 8,000 | 8,000 | 8,000 | 7,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,132,000 | 43,227,000 | 41,541,000 | 44,702,000 |
| Interest-bearing deposits | 34,548,000 | 34,623,000 | 32,541,000 | 33,347,000 |
| Noninterest-bearing deposits | 8,584,000 | 8,604,000 | 9,000,000 | 11,355,000 |
| Equity capital | 5,104,000 | 5,177,000 | 5,234,000 | 5,080,000 |
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 | 569,000 | 1,146,000 | 1,778,000 | 2,437,000 |
| Interest expense | 73,000 | 142,000 | 210,000 | 273,000 |
| Net interest income | 496,000 | 1,004,000 | 1,568,000 | 2,164,000 |
| Noninterest income | 70,000 | 134,000 | 223,000 | 292,000 |
| Noninterest expense | 439,000 | 897,000 | 1,404,000 | 1,930,000 |
| Provision for loan losses | 0 | 0 | 0 | 63,000 |
| Pretax income | 127,000 | 241,000 | 385,000 | 461,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 127,000 | 241,000 | 385,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,020,000 | 5,104,000 | 5,148,000 | 5,000,000 |
| Total capital | 5,337,000 | 5,421,000 | 5,465,000 | 5,355,000 |
| Risk-weighted assets | 27,393,000 | 29,518,000 | 28,611,000 | 29,474,000 |