Call reports 2012
SEAWAY BANK AND TRUST COMPANY — 2012
What SEAWAY BANK AND TRUST COMPANY 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 | 570,891,000 | 565,361,000 | 573,168,000 | 552,983,000 |
| Total loans | 287,205,000 | 285,911,000 | 291,212,000 | 286,369,000 |
| Allowance for loan losses | 7,038,000 | 8,136,000 | 8,620,000 | 16,695,000 |
| Securities available for sale | 178,875,000 | 170,157,000 | 186,917,000 | 177,700,000 |
| Securities held to maturity | 1,188,000 | 1,168,000 | 1,240,000 | 1,170,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 509,201,000 | 504,927,000 | 502,454,000 | 490,092,000 |
| Interest-bearing deposits | 444,489,000 | 437,779,000 | 434,873,000 | 420,489,000 |
| Noninterest-bearing deposits | 64,712,000 | 67,148,000 | 67,580,000 | 69,603,000 |
| Equity capital | 44,373,000 | 43,382,000 | 44,071,000 | 46,663,000 |
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 | 5,823,000 | 11,643,000 | 17,296,000 | 22,932,000 |
| Interest expense | 1,155,000 | 2,211,000 | 3,108,000 | 4,004,000 |
| Net interest income | 4,668,000 | 9,432,000 | 14,188,000 | 18,928,000 |
| Noninterest income | 2,432,000 | 5,003,000 | 7,577,000 | 14,517,000 |
| Noninterest expense | 5,996,000 | 9,551,000 | 14,488,000 | 24,721,000 |
| Provision for loan losses | 750,000 | 2,200,000 | 2,950,000 | 7,135,000 |
| Pretax income | 354,000 | 2,684,000 | 4,327,000 | 1,589,000 |
| Income tax | 7,000 | 62,000 | 199,000 | -2,871,000 |
| Net income | 347,000 | 2,622,000 | 4,128,000 | 4,460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,747,000 | 41,695,000 | 43,201,000 | 40,506,000 |
| Total capital | 46,731,000 | 44,730,000 | 46,373,000 | 43,746,000 |
| Risk-weighted assets | 234,675,000 | 237,736,000 | 248,243,000 | 245,773,000 |
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