Call reports 2012
OUR COMMUNITY BANK — 2012
What OUR COMMUNITY 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 | 76,148,000 | 75,636,000 | 73,219,000 | 73,005,000 |
| Total loans | 57,026,000 | 56,009,000 | 54,721,000 | 53,864,000 |
| Allowance for loan losses | 640,000 | 662,000 | 697,000 | 636,000 |
| Securities available for sale | 6,391,000 | 7,354,000 | 6,308,000 | 7,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,762,000 | 53,496,000 | 52,385,000 | 52,313,000 |
| Interest-bearing deposits | 49,811,000 | 48,751,000 | 47,557,000 | 47,219,000 |
| Noninterest-bearing deposits | 4,951,000 | 4,745,000 | 4,828,000 | 5,094,000 |
| Equity capital | 8,283,000 | 8,380,000 | 8,459,000 | 7,881,000 |
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 | 1,079,000 | 2,114,000 | 3,139,000 | 4,147,000 |
| Interest expense | 240,000 | 461,000 | 666,000 | 854,000 |
| Net interest income | 839,000 | 1,653,000 | 2,473,000 | 3,293,000 |
| Noninterest income | 103,000 | 168,000 | 286,000 | 374,000 |
| Noninterest expense | 636,000 | 1,267,000 | 1,950,000 | 2,621,000 |
| Provision for loan losses | 127,000 | 205,000 | 280,000 | 405,000 |
| Pretax income | 188,000 | 359,000 | 595,000 | 771,000 |
| Income tax | 47,000 | 80,000 | 141,000 | 177,000 |
| Net income | 141,000 | 279,000 | 454,000 | 594,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,843,000 | 8,026,000 | 8,135,000 | 7,612,000 |
| Total capital | 8,363,000 | 8,549,000 | 8,643,000 | 8,123,000 |
| Risk-weighted assets | 41,475,000 | 41,045,000 | 39,685,000 | 39,992,000 |