Call reports 2012
STATE BANK OF GRAYMONT — 2012
What STATE BANK OF GRAYMONT 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 | 192,057,000 | 193,303,000 | 195,568,000 | 199,503,000 |
| Total loans | 92,944,000 | 101,028,000 | 102,327,000 | 109,465,000 |
| Allowance for loan losses | 637,000 | 714,000 | 713,000 | 763,000 |
| Securities available for sale | 62,564,000 | 61,788,000 | 64,907,000 | 64,725,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,880,000 | 174,477,000 | 176,027,000 | 179,842,000 |
| Interest-bearing deposits | 156,678,000 | 156,888,000 | 158,658,000 | 156,245,000 |
| Noninterest-bearing deposits | 17,202,000 | 17,589,000 | 17,369,000 | 23,597,000 |
| Equity capital | 16,625,000 | 17,228,000 | 17,868,000 | 18,116,000 |
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 | 1,600,000 | 3,289,000 | 5,027,000 | 6,779,000 |
| Interest expense | 413,000 | 811,000 | 1,192,000 | 1,549,000 |
| Net interest income | 1,187,000 | 2,478,000 | 3,835,000 | 5,230,000 |
| Noninterest income | 190,000 | 377,000 | 633,000 | 837,000 |
| Noninterest expense | 898,000 | 1,688,000 | 2,439,000 | 3,472,000 |
| Provision for loan losses | 25,000 | 110,000 | 110,000 | 153,000 |
| Pretax income | 520,000 | 1,123,000 | 1,985,000 | 2,573,000 |
| Income tax | 83,000 | 207,000 | 536,000 | 673,000 |
| Net income | 437,000 | 916,000 | 1,449,000 | 1,900,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,961,000 | 14,439,000 | 14,972,000 | 15,423,000 |
| Total capital | 15,193,000 | 15,712,000 | 16,273,000 | 16,812,000 |
| Risk-weighted assets | 118,927,000 | 125,964,000 | 129,173,000 | 134,949,000 |