Call reports 2012
STATE BANK OF DOWNS — 2012
What STATE BANK OF DOWNS 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 | 73,745,000 | 62,612,000 | 63,740,000 | 65,331,000 |
| Total loans | 47,005,000 | 45,798,000 | 48,071,000 | 51,903,000 |
| Allowance for loan losses | 697,000 | 697,000 | 697,000 | 697,000 |
| Securities available for sale | 151,000 | 420,000 | 0 | 0 |
| Securities held to maturity | 945,000 | 941,000 | 1,733,000 | 1,782,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,180,000 | 49,864,000 | 51,893,000 | 53,756,000 |
| Interest-bearing deposits | 52,434,000 | 37,029,000 | 37,825,000 | 38,115,000 |
| Noninterest-bearing deposits | 8,746,000 | 12,835,000 | 14,068,000 | 15,641,000 |
| Equity capital | 8,072,000 | 8,245,000 | 8,334,000 | 8,078,000 |
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 | 752,000 | 1,520,000 | 2,320,000 | 3,154,000 |
| Interest expense | 113,000 | 235,000 | 339,000 | 433,000 |
| Net interest income | 639,000 | 1,285,000 | 1,981,000 | 2,721,000 |
| Noninterest income | 27,000 | 52,000 | 86,000 | 98,000 |
| Noninterest expense | 449,000 | 948,000 | 1,519,000 | 2,175,000 |
| Provision for loan losses | 42,000 | 42,000 | 112,000 | 256,000 |
| Pretax income | 175,000 | 347,000 | 436,000 | 388,000 |
| Income tax | -12,000 | -12,000 | -12,000 | -12,000 |
| Net income | 187,000 | 359,000 | 448,000 | 400,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,072,000 | 8,245,000 | 8,334,000 | 8,078,000 |
| Total capital | 8,769,000 | 8,942,000 | 9,031,000 | 8,775,000 |
| Risk-weighted assets | 71,264,000 | 60,943,000 | 62,080,000 | 62,506,000 |
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