Call reports 2012
SCALE BANK — 2012
What SCALE 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 | 365,627,000 | 401,257,000 | 487,411,000 | 522,893,000 |
| Total loans | 286,124,000 | 316,363,000 | 395,921,000 | 427,353,000 |
| Allowance for loan losses | 5,525,000 | 4,990,000 | 5,001,000 | 3,698,000 |
| Securities available for sale | 45,008,000 | 47,075,000 | 45,089,000 | 44,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 281,256,000 | 283,749,000 | 301,153,000 | 352,219,000 |
| Interest-bearing deposits | 197,663,000 | 198,161,000 | 198,633,000 | 237,181,000 |
| Noninterest-bearing deposits | 83,593,000 | 85,588,000 | 102,520,000 | 115,038,000 |
| Equity capital | 71,010,000 | 72,339,000 | 73,763,000 | 75,553,000 |
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 | 3,706,000 | 7,099,000 | 11,390,000 | 16,237,000 |
| Interest expense | 215,000 | 398,000 | 604,000 | 801,000 |
| Net interest income | 3,491,000 | 6,701,000 | 10,786,000 | 15,436,000 |
| Noninterest income | 357,000 | 739,000 | 1,117,000 | 1,489,000 |
| Noninterest expense | 1,890,000 | 3,746,000 | 5,782,000 | 7,854,000 |
| Provision for loan losses | 0 | 0 | 0 | -900,000 |
| Pretax income | 1,986,000 | 3,744,000 | 6,171,000 | 10,021,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,986,000 | 3,744,000 | 6,171,000 | 10,021,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,767,000 | 44,174,000 | 45,627,000 | 47,596,000 |
| Total capital | 45,787,000 | 47,545,000 | 49,509,000 | 51,294,000 |
| Risk-weighted assets | 239,089,000 | 268,078,000 | 309,452,000 | 328,680,000 |