Call reports 2012
FREELAND STATE BANK — 2012
What FREELAND STATE 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 | 58,670,000 | 57,609,000 | 56,950,000 | 58,877,000 |
| Total loans | 16,902,000 | 16,664,000 | 16,156,000 | 15,171,000 |
| Allowance for loan losses | 271,000 | 191,000 | 221,000 | 167,000 |
| Securities available for sale | 33,757,000 | 33,679,000 | 30,576,000 | 30,410,000 |
| Securities held to maturity | 0 | 0 | 0 | 3,680,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,467,000 | 47,395,000 | 46,708,000 | 48,718,000 |
| Interest-bearing deposits | 39,928,000 | 40,833,000 | 40,527,000 | 41,675,000 |
| Noninterest-bearing deposits | 8,539,000 | 6,562,000 | 6,181,000 | 7,043,000 |
| Equity capital | 9,809,000 | 9,789,000 | 9,800,000 | 9,783,000 |
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 | 389,000 | 771,000 | 1,150,000 | 1,501,000 |
| Interest expense | 87,000 | 157,000 | 216,000 | 267,000 |
| Net interest income | 302,000 | 614,000 | 934,000 | 1,234,000 |
| Noninterest income | 31,000 | 59,000 | 95,000 | 118,000 |
| Noninterest expense | 309,000 | 647,000 | 966,000 | 1,284,000 |
| Provision for loan losses | 0 | 37,000 | 61,000 | 0 |
| Pretax income | 24,000 | -11,000 | 2,000 | 68,000 |
| Income tax | 6,000 | -3,000 | 1,000 | 26,000 |
| Net income | 18,000 | -8,000 | 1,000 | 42,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,171,000 | 9,134,000 | 9,143,000 | 9,168,000 |
| Total capital | 9,409,000 | 9,325,000 | 9,364,000 | 9,335,000 |
| Risk-weighted assets | 18,985,000 | 19,013,000 | 18,023,000 | 17,846,000 |
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