Call reports 2012
BENDENA STATE BANK — 2012
What BENDENA STATE 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 | 44,751,000 | 46,249,000 | 48,662,000 | 49,415,000 |
| Total loans | 25,485,000 | 28,377,000 | 30,038,000 | 32,522,000 |
| Allowance for loan losses | 224,000 | 256,000 | 270,000 | 278,000 |
| Securities available for sale | 14,985,000 | 13,726,000 | 13,705,000 | 14,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,143,000 | 41,486,000 | 43,784,000 | 42,268,000 |
| Interest-bearing deposits | 32,388,000 | 32,846,000 | 33,249,000 | 31,032,000 |
| Noninterest-bearing deposits | 8,755,000 | 8,640,000 | 10,535,000 | 11,236,000 |
| Equity capital | 3,514,000 | 3,658,000 | 3,760,000 | 3,835,000 |
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 | 410,000 | 839,000 | 1,282,000 | 1,748,000 |
| Interest expense | 71,000 | 135,000 | 198,000 | 259,000 |
| Net interest income | 339,000 | 704,000 | 1,084,000 | 1,489,000 |
| Noninterest income | 39,000 | 107,000 | 141,000 | 183,000 |
| Noninterest expense | 267,000 | 531,000 | 803,000 | 1,083,000 |
| Provision for loan losses | 53,000 | 85,000 | 99,000 | 105,000 |
| Pretax income | 58,000 | 195,000 | 323,000 | 484,000 |
| Income tax | 1,000 | 6,000 | 11,000 | 19,000 |
| Net income | 54,000 | 186,000 | 309,000 | 462,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,267,000 | 3,383,000 | 3,449,000 | 3,527,000 |
| Total capital | 3,491,000 | 3,639,000 | 3,719,000 | 3,805,000 |
| Risk-weighted assets | 28,008,000 | 30,872,000 | 32,582,000 | 33,565,000 |