Call reports 2012
BANK OF CARBONDALE, THE — 2012
What BANK OF CARBONDALE, THE 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 | 205,771,000 | 202,091,000 | 203,676,000 | 209,127,000 |
| Total loans | 126,951,000 | 131,809,000 | 133,154,000 | 134,427,000 |
| Allowance for loan losses | 3,296,000 | 3,393,000 | 3,271,000 | 3,484,000 |
| Securities available for sale | 60,896,000 | 57,407,000 | 55,246,000 | 60,531,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 177,851,000 | 174,742,000 | 175,060,000 | 182,626,000 |
| Interest-bearing deposits | 159,376,000 | 156,825,000 | 155,777,000 | 161,222,000 |
| Noninterest-bearing deposits | 18,475,000 | 17,917,000 | 19,283,000 | 21,404,000 |
| Equity capital | 21,988,000 | 22,399,000 | 22,941,000 | 23,302,000 |
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 | 2,028,000 | 4,046,000 | 6,110,000 | 8,138,000 |
| Interest expense | 362,000 | 709,000 | 1,046,000 | 1,363,000 |
| Net interest income | 1,666,000 | 3,337,000 | 5,064,000 | 6,775,000 |
| Noninterest income | 256,000 | 566,000 | 907,000 | 1,237,000 |
| Noninterest expense | 1,059,000 | 2,096,000 | 3,193,000 | 4,268,000 |
| Provision for loan losses | 131,000 | 258,000 | 408,000 | 615,000 |
| Pretax income | 732,000 | 1,549,000 | 2,396,000 | 3,155,000 |
| Income tax | 237,000 | 487,000 | 747,000 | 996,000 |
| Net income | 495,000 | 1,062,000 | 1,649,000 | 2,159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,647,000 | 21,913,000 | 22,500,000 | 23,010,000 |
| Total capital | 23,314,000 | 23,669,000 | 24,250,000 | 24,788,000 |
| Risk-weighted assets | 139,482,000 | 146,578,000 | 146,239,000 | 148,299,000 |
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