Call reports 2012
STATE CENTRAL BANK — 2012
What STATE CENTRAL 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 | 179,976,000 | 157,177,000 | 150,112,000 | 155,030,000 |
| Total loans | 109,121,000 | 104,460,000 | 98,021,000 | 95,560,000 |
| Allowance for loan losses | 5,225,000 | 5,391,000 | 4,366,000 | 3,475,000 |
| Securities available for sale | 18,447,000 | 18,407,000 | 18,402,000 | 19,311,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,152,000 | 149,109,000 | 143,063,000 | 148,891,000 |
| Interest-bearing deposits | 146,935,000 | 126,801,000 | 120,216,000 | 125,328,000 |
| Noninterest-bearing deposits | 25,217,000 | 22,308,000 | 22,847,000 | 23,563,000 |
| Equity capital | 7,201,000 | 6,821,000 | 6,339,000 | 5,403,000 |
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 | 1,462,000 | 2,817,000 | 4,102,000 | 5,303,000 |
| Interest expense | 437,000 | 800,000 | 1,132,000 | 1,456,000 |
| Net interest income | 1,025,000 | 2,017,000 | 2,970,000 | 3,847,000 |
| Noninterest income | 219,000 | 693,000 | 1,125,000 | 1,472,000 |
| Noninterest expense | 1,743,000 | 3,388,000 | 5,005,000 | 7,067,000 |
| Provision for loan losses | 821,000 | 1,021,000 | 1,271,000 | 1,371,000 |
| Pretax income | -1,320,000 | -1,699,000 | -2,181,000 | -3,119,000 |
| Income tax | 2,000 | 2,000 | 0 | 0 |
| Net income | -1,322,000 | -1,701,000 | -2,181,000 | -3,119,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,231,000 | 4,852,000 | 4,372,000 | 4,619,000 |
| Total capital | 6,587,000 | 6,145,000 | 5,548,000 | 5,765,000 |
| Risk-weighted assets | 104,583,000 | 99,306,000 | 90,884,000 | 89,314,000 |