Call reports 2012
SAVANNAH RIVER BANKING COMPANY — 2012
What SAVANNAH RIVER BANKING COMPANY 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 | 155,112,000 | 156,608,000 | 150,558,000 | 160,742,000 |
| Total loans | 102,622,000 | 102,079,000 | 104,487,000 | 113,932,000 |
| Allowance for loan losses | 1,691,000 | 1,765,000 | 1,879,000 | 1,923,000 |
| Securities available for sale | 26,711,000 | 30,992,000 | 27,709,000 | 25,023,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,661,000 | 129,341,000 | 126,068,000 | 132,197,000 |
| Interest-bearing deposits | 114,941,000 | 116,227,000 | 112,221,000 | 118,195,000 |
| Noninterest-bearing deposits | 10,720,000 | 13,114,000 | 13,847,000 | 14,002,000 |
| Equity capital | 21,056,000 | 21,332,000 | 21,554,000 | 21,635,000 |
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 | 1,504,000 | 3,006,000 | 4,503,000 | 6,007,000 |
| Interest expense | 305,000 | 548,000 | 756,000 | 954,000 |
| Net interest income | 1,199,000 | 2,458,000 | 3,747,000 | 5,053,000 |
| Noninterest income | 79,000 | 158,000 | 265,000 | 361,000 |
| Noninterest expense | 963,000 | 1,913,000 | 2,977,000 | 3,858,000 |
| Provision for loan losses | 100,000 | 188,000 | 302,000 | 583,000 |
| Pretax income | 280,000 | 580,000 | 842,000 | 1,082,000 |
| Income tax | 109,000 | 231,000 | 339,000 | 439,000 |
| Net income | 171,000 | 349,000 | 503,000 | 643,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,175,000 | 20,476,000 | 20,745,000 | 21,046,000 |
| Total capital | 21,598,000 | 21,918,000 | 22,202,000 | 22,622,000 |
| Risk-weighted assets | 113,580,000 | 115,038,000 | 116,105,000 | 125,724,000 |