Call reports 2012
FRIEND BANK — 2012
What FRIEND 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 | 73,630,000 | 70,528,000 | 68,495,000 | 71,157,000 |
| Total loans | 45,042,000 | 44,734,000 | 44,319,000 | 45,402,000 |
| Allowance for loan losses | 1,042,000 | 1,022,000 | 883,000 | 1,176,000 |
| Securities available for sale | 16,122,000 | 14,708,000 | 13,384,000 | 13,058,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,205,000 | 61,101,000 | 59,950,000 | 62,810,000 |
| Interest-bearing deposits | 54,998,000 | 52,856,000 | 51,725,000 | 53,928,000 |
| Noninterest-bearing deposits | 9,207,000 | 8,245,000 | 8,225,000 | 8,882,000 |
| Equity capital | 7,611,000 | 7,802,000 | 7,905,000 | 7,704,000 |
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 | 821,000 | 1,661,000 | 2,444,000 | 3,187,000 |
| Interest expense | 118,000 | 224,000 | 320,000 | 402,000 |
| Net interest income | 703,000 | 1,437,000 | 2,124,000 | 2,785,000 |
| Noninterest income | 155,000 | 340,000 | 466,000 | 590,000 |
| Noninterest expense | 615,000 | 1,259,000 | 1,894,000 | 2,484,000 |
| Provision for loan losses | 50,000 | 50,000 | 50,000 | 350,000 |
| Pretax income | 193,000 | 468,000 | 623,000 | 518,000 |
| Income tax | 32,000 | 44,000 | 51,000 | 17,000 |
| Net income | 161,000 | 424,000 | 572,000 | 501,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,399,000 | 7,538,000 | 7,578,000 | 7,405,000 |
| Total capital | 7,926,000 | 8,059,000 | 8,077,000 | 7,911,000 |
| Risk-weighted assets | 41,674,000 | 41,155,000 | 39,508,000 | 39,827,000 |