Call reports 2012
COULEE BANK — 2012
What COULEE 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 | 275,920,000 | 279,032,000 | 285,220,000 | 289,162,000 |
| Total loans | 183,837,000 | 196,757,000 | 201,700,000 | 202,122,000 |
| Allowance for loan losses | 2,652,000 | 2,526,000 | 2,537,000 | 2,880,000 |
| Securities available for sale | 80,506,000 | 75,282,000 | 76,368,000 | 72,890,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,317,000 | 207,043,000 | 211,664,000 | 218,612,000 |
| Interest-bearing deposits | 202,180,000 | 204,766,000 | 201,709,000 | 210,988,000 |
| Noninterest-bearing deposits | 8,137,000 | 2,277,000 | 9,955,000 | 7,624,000 |
| Equity capital | 29,339,000 | 29,317,000 | 29,502,000 | 29,272,000 |
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 | 3,237,000 | 6,495,000 | 9,755,000 | 13,144,000 |
| Interest expense | 625,000 | 1,182,000 | 1,698,000 | 2,195,000 |
| Net interest income | 2,612,000 | 5,313,000 | 8,057,000 | 10,949,000 |
| Noninterest income | 416,000 | 930,000 | 1,394,000 | 1,599,000 |
| Noninterest expense | 1,584,000 | 3,475,000 | 5,186,000 | 6,520,000 |
| Provision for loan losses | 105,000 | 210,000 | 315,000 | 660,000 |
| Pretax income | 1,341,000 | 2,565,000 | 3,957,000 | 5,365,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 30,000 |
| Net income | 1,333,000 | 2,550,000 | 3,934,000 | 5,335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,834,000 | 25,573,000 | 25,661,000 | 25,772,000 |
| Total capital | 28,080,000 | 27,937,000 | 28,020,000 | 28,151,000 |
| Risk-weighted assets | 179,255,000 | 189,301,000 | 189,509,000 | 190,404,000 |