Call reports 2012
1ST EQUITY BANK — 2012
What 1ST EQUITY 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 | 111,131,000 | 116,999,000 | 110,934,000 | 112,577,000 |
| Total loans | 90,116,000 | 91,599,000 | 86,449,000 | 85,378,000 |
| Allowance for loan losses | 1,755,000 | 1,785,000 | 1,968,000 | 1,511,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,618,000 | 99,322,000 | 93,956,000 | 95,442,000 |
| Interest-bearing deposits | 82,919,000 | 88,435,000 | 84,258,000 | 87,104,000 |
| Noninterest-bearing deposits | 10,699,000 | 10,887,000 | 9,698,000 | 8,338,000 |
| Equity capital | 14,408,000 | 14,508,000 | 14,771,000 | 15,016,000 |
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 | 1,142,000 | 2,285,000 | 3,410,000 | 4,511,000 |
| Interest expense | 266,000 | 511,000 | 750,000 | 970,000 |
| Net interest income | 876,000 | 1,774,000 | 2,660,000 | 3,541,000 |
| Noninterest income | 37,000 | 65,000 | 89,000 | 151,000 |
| Noninterest expense | 492,000 | 984,000 | 1,464,000 | 2,023,000 |
| Provision for loan losses | 20,000 | 50,000 | 226,000 | 347,000 |
| Pretax income | 401,000 | 805,000 | 1,059,000 | 1,322,000 |
| Income tax | 5,000 | 9,000 | 0 | 18,000 |
| Net income | 396,000 | 796,000 | 1,059,000 | 1,304,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,408,000 | 14,508,000 | 14,771,000 | 15,016,000 |
| Total capital | 15,396,000 | 15,523,000 | 15,832,000 | 16,057,000 |
| Risk-weighted assets | 78,259,000 | 80,411,000 | 83,967,000 | 82,791,000 |