Call reports 2012
STANDING STONE BANK — 2012
What STANDING STONE 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 | 77,693,000 | 93,340,000 | 83,461,000 | 79,787,000 |
| Total loans | 44,217,000 | 46,014,000 | 46,305,000 | 46,436,000 |
| Allowance for loan losses | 525,000 | 543,000 | 550,000 | 505,000 |
| Securities available for sale | 23,255,000 | 22,817,000 | 22,621,000 | 19,324,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,279,000 | 62,548,000 | 62,654,000 | 60,876,000 |
| Interest-bearing deposits | 48,451,000 | 51,604,000 | 52,005,000 | 49,782,000 |
| Noninterest-bearing deposits | 10,828,000 | 10,944,000 | 10,649,000 | 11,094,000 |
| Equity capital | 6,791,000 | 6,941,000 | 7,122,000 | 6,775,000 |
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 | 762,000 | 1,547,000 | 2,332,000 | 3,112,000 |
| Interest expense | 84,000 | 163,000 | 243,000 | 319,000 |
| Net interest income | 678,000 | 1,384,000 | 2,089,000 | 2,793,000 |
| Noninterest income | 145,000 | 332,000 | 525,000 | 682,000 |
| Noninterest expense | 672,000 | 1,400,000 | 2,148,000 | 2,921,000 |
| Provision for loan losses | 0 | 15,000 | 20,000 | 567,000 |
| Pretax income | 151,000 | 304,000 | 449,000 | 54,000 |
| Income tax | 42,000 | 85,000 | 127,000 | -16,000 |
| Net income | 109,000 | 219,000 | 322,000 | 70,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,565,000 | 6,675,000 | 6,778,000 | 6,526,000 |
| Total capital | 7,090,000 | 7,218,000 | 7,328,000 | 7,031,000 |
| Risk-weighted assets | 48,207,000 | 50,016,000 | 50,724,000 | 50,140,000 |
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