Call reports 2012
CARMINE STATE BANK — 2012
What CARMINE STATE 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 | 58,135,000 | 58,211,000 | 59,030,000 | 58,893,000 |
| Total loans | 15,676,000 | 16,521,000 | 16,795,000 | 16,771,000 |
| Allowance for loan losses | 158,000 | 157,000 | 159,000 | 161,000 |
| Securities available for sale | 13,698,000 | 13,173,000 | 13,813,000 | 14,501,000 |
| Securities held to maturity | 13,123,000 | 12,691,000 | 12,572,000 | 12,572,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,299,000 | 50,200,000 | 50,731,000 | 50,771,000 |
| Interest-bearing deposits | 41,543,000 | 40,519,000 | 41,352,000 | 41,434,000 |
| Noninterest-bearing deposits | 8,756,000 | 9,681,000 | 9,379,000 | 9,337,000 |
| Equity capital | 7,642,000 | 7,777,000 | 8,008,000 | 7,961,000 |
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 | 557,000 | 1,105,000 | 1,655,000 | 2,205,000 |
| Interest expense | 117,000 | 225,000 | 330,000 | 429,000 |
| Net interest income | 440,000 | 880,000 | 1,325,000 | 1,776,000 |
| Noninterest income | 34,000 | 60,000 | 92,000 | 122,000 |
| Noninterest expense | 276,000 | 599,000 | 908,000 | 1,272,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 231,000 | 376,000 | 553,000 | 670,000 |
| Income tax | 29,000 | 17,000 | 9,000 | 1,000 |
| Net income | 202,000 | 359,000 | 544,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,362,000 | 7,438,000 | 7,624,000 | 7,589,000 |
| Total capital | 7,520,000 | 7,595,000 | 7,783,000 | 7,750,000 |
| Risk-weighted assets | 23,524,000 | 23,753,000 | 23,854,000 | 23,860,000 |