Call reports 2012
SANGER BANK — 2012
What SANGER 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 | 108,822,000 | 108,357,000 | 110,157,000 | 112,472,000 |
| Total loans | 64,566,000 | 63,432,000 | 63,628,000 | 62,580,000 |
| Allowance for loan losses | 689,000 | 711,000 | 709,000 | 662,000 |
| Securities available for sale | 6,339,000 | 5,221,000 | 7,406,000 | 7,806,000 |
| Securities held to maturity | 16,734,000 | 16,964,000 | 17,439,000 | 21,094,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,872,000 | 95,222,000 | 96,563,000 | 99,053,000 |
| Interest-bearing deposits | 74,114,000 | 73,494,000 | 73,329,000 | 77,197,000 |
| Noninterest-bearing deposits | 21,758,000 | 21,728,000 | 23,233,000 | 21,856,000 |
| Equity capital | 12,614,000 | 12,884,000 | 13,267,000 | 13,291,000 |
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 | 1,324,000 | 2,633,000 | 3,927,000 | 5,218,000 |
| Interest expense | 176,000 | 344,000 | 510,000 | 674,000 |
| Net interest income | 1,148,000 | 2,289,000 | 3,417,000 | 4,544,000 |
| Noninterest income | 157,000 | 318,000 | 465,000 | 638,000 |
| Noninterest expense | 773,000 | 1,568,000 | 2,376,000 | 3,183,000 |
| Provision for loan losses | 82,000 | 122,000 | 122,000 | 122,000 |
| Pretax income | 450,000 | 917,000 | 1,384,000 | 1,877,000 |
| Income tax | 120,000 | 240,000 | 367,000 | 494,000 |
| Net income | 330,000 | 677,000 | 1,017,000 | 1,383,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,507,000 | 12,761,000 | 13,101,000 | 13,151,000 |
| Total capital | 13,196,000 | 13,472,000 | 13,810,000 | 13,813,000 |
| Risk-weighted assets | 63,785,000 | 62,707,000 | 63,314,000 | 63,640,000 |