Call reports 2012
CRESSON COMMUNITY BANK — 2012
What CRESSON 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 | 56,696,000 | 57,121,000 | 58,666,000 | 59,044,000 |
| Total loans | 26,868,000 | 26,164,000 | 25,738,000 | 24,293,000 |
| Allowance for loan losses | 147,000 | 152,000 | 149,000 | 148,000 |
| Securities available for sale | 121,000 | 63,000 | 0 | 0 |
| Securities held to maturity | 19,370,000 | 20,302,000 | 21,407,000 | 21,920,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,157,000 | 50,542,000 | 50,964,000 | 50,841,000 |
| Interest-bearing deposits | 49,716,000 | 50,170,000 | 50,543,000 | 50,288,000 |
| Noninterest-bearing deposits | 441,000 | 372,000 | 421,000 | 553,000 |
| Equity capital | 6,454,000 | 6,517,000 | 6,577,000 | 6,688,000 |
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 | 489,000 | 979,000 | 1,443,000 | 1,977,000 |
| Interest expense | 176,000 | 339,000 | 496,000 | 646,000 |
| Net interest income | 313,000 | 640,000 | 947,000 | 1,331,000 |
| Noninterest income | 15,000 | 29,000 | 41,000 | 58,000 |
| Noninterest expense | 263,000 | 521,000 | 793,000 | 1,080,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 10,000 |
| Pretax income | 65,000 | 143,000 | 207,000 | 281,000 |
| Income tax | 13,000 | 28,000 | 32,000 | 27,000 |
| Net income | 52,000 | 115,000 | 175,000 | 254,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,485,000 | 6,548,000 | 6,608,000 | 6,688,000 |
| Total capital | 6,632,000 | 6,700,000 | 6,757,000 | 6,836,000 |
| Risk-weighted assets | 23,947,000 | 23,943,000 | 24,095,000 | 23,665,000 |