Call reports 2012
ARLO BANK — 2012
What ARLO 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 | 43,456,000 | 40,327,000 | 40,052,000 | 39,243,000 |
| Total loans | 35,279,000 | 32,205,000 | 29,814,000 | 28,694,000 |
| Allowance for loan losses | 281,000 | 262,000 | 268,000 | 392,000 |
| Securities available for sale | 1,010,000 | 1,019,000 | 1,019,000 | 1,014,000 |
| Securities held to maturity | 107,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,822,000 | 31,616,000 | 31,312,000 | 31,224,000 |
| Interest-bearing deposits | 34,777,000 | 31,498,000 | 31,138,000 | 31,224,000 |
| Noninterest-bearing deposits | 45,000 | 118,000 | 174,000 | 0 |
| Equity capital | 8,017,000 | 8,098,000 | 8,181,000 | 8,002,000 |
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 | 572,000 | 1,080,000 | 1,551,000 | 1,985,000 |
| Interest expense | 132,000 | 236,000 | 328,000 | 411,000 |
| Net interest income | 440,000 | 844,000 | 1,223,000 | 1,574,000 |
| Noninterest income | 6,000 | 49,000 | 48,000 | -169,000 |
| Noninterest expense | 347,000 | 685,000 | 967,000 | 1,312,000 |
| Provision for loan losses | 0 | 0 | 0 | 18,000 |
| Pretax income | 99,000 | 216,000 | 304,000 | 75,000 |
| Income tax | 34,000 | 70,000 | 75,000 | 29,000 |
| Net income | 65,000 | 146,000 | 229,000 | 46,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,017,000 | 7,995,000 | 8,142,000 | 7,897,000 |
| Total capital | 8,298,000 | 8,257,000 | 8,410,000 | 8,289,000 |
| Risk-weighted assets | 24,085,000 | 22,664,000 | 21,332,000 | 20,505,000 |