Call reports 2012
TIGHTWAD BANK — 2012
What TIGHTWAD 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 | 14,794,000 | 13,435,000 | 11,263,000 | 9,519,000 |
| Total loans | 10,588,000 | 8,351,000 | 7,022,000 | 6,197,000 |
| Allowance for loan losses | 463,000 | 468,000 | 285,000 | 212,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 300,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,360,000 | 12,061,000 | 10,132,000 | 8,401,000 |
| Interest-bearing deposits | 11,976,000 | 10,809,000 | 8,921,000 | 7,418,000 |
| Noninterest-bearing deposits | 1,384,000 | 1,251,000 | 1,211,000 | 983,000 |
| Equity capital | 1,427,000 | 1,369,000 | 1,128,000 | 1,115,000 |
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 | 157,000 | 284,000 | 392,000 | 486,000 |
| Interest expense | 30,000 | 57,000 | 82,000 | 102,000 |
| Net interest income | 127,000 | 227,000 | 310,000 | 384,000 |
| Noninterest income | 0 | 9,000 | -3,000 | 34,000 |
| Noninterest expense | 149,000 | 309,000 | 675,000 | 785,000 |
| Provision for loan losses | 323,000 | 329,000 | 293,000 | 308,000 |
| Pretax income | -327,000 | -384,000 | -643,000 | -657,000 |
| Income tax | 0 | 0 | -18,000 | -18,000 |
| Net income | -327,000 | -384,000 | -625,000 | -639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,203,000 | 1,145,000 | 1,128,000 | 1,115,000 |
| Total capital | 1,327,000 | 1,246,000 | 1,205,000 | 1,188,000 |
| Risk-weighted assets | 9,572,000 | 7,717,000 | 6,025,000 | 5,678,000 |
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