Call reports 2012
FINANCE FACTORS, LIMITED — 2012
What FINANCE FACTORS, LIMITED 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 | 483,702,000 | 478,257,000 | 478,248,000 | 476,790,000 |
| Total loans | 279,649,000 | 282,883,000 | 282,771,000 | 275,206,000 |
| Allowance for loan losses | 11,941,000 | 11,613,000 | 9,659,000 | 9,332,000 |
| Securities available for sale | 98,885,000 | 98,552,000 | 89,330,000 | 99,319,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 400,517,000 | 394,781,000 | 393,214,000 | 392,205,000 |
| Interest-bearing deposits | 400,105,000 | 394,201,000 | 392,765,000 | 391,033,000 |
| Noninterest-bearing deposits | 412,000 | 580,000 | 449,000 | 1,172,000 |
| Equity capital | 55,756,000 | 55,864,000 | 56,457,000 | 56,939,000 |
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 | 4,677,000 | 9,239,000 | 13,803,000 | 18,380,000 |
| Interest expense | 1,147,000 | 2,181,000 | 3,104,000 | 3,804,000 |
| Net interest income | 3,530,000 | 7,058,000 | 10,699,000 | 14,576,000 |
| Noninterest income | 486,000 | 854,000 | 1,897,000 | 2,732,000 |
| Noninterest expense | 3,423,000 | 7,082,000 | 11,069,000 | 14,988,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,344,000 | 1,564,000 | 2,275,000 | 3,061,000 |
| Income tax | 360,000 | 294,000 | 434,000 | 597,000 |
| Net income | 984,000 | 1,270,000 | 1,841,000 | 2,464,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,252,000 | 43,406,000 | 43,979,000 | 44,792,000 |
| Total capital | 47,385,000 | 47,466,000 | 48,118,000 | 48,811,000 |
| Risk-weighted assets | 317,253,000 | 317,034,000 | 318,403,000 | 311,149,000 |
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