Call reports 2012
FFB BANK — 2012
What FFB 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 | 171,506,000 | 173,172,000 | 195,043,000 | 210,282,000 |
| Total loans | 103,661,000 | 102,099,000 | 106,420,000 | 108,962,000 |
| Allowance for loan losses | 2,502,000 | 2,659,000 | 2,816,000 | 2,498,000 |
| Securities available for sale | 51,059,000 | 52,940,000 | 63,389,000 | 63,921,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,031,000 | 153,094,000 | 169,033,000 | 186,418,000 |
| Interest-bearing deposits | 108,167,000 | 107,534,000 | 115,031,000 | 122,062,000 |
| Noninterest-bearing deposits | 43,864,000 | 45,560,000 | 54,002,000 | 64,356,000 |
| Equity capital | 18,533,000 | 18,927,000 | 25,105,000 | 23,268,000 |
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 | 1,939,000 | 3,880,000 | 5,759,000 | 7,735,000 |
| Interest expense | 157,000 | 294,000 | 431,000 | 570,000 |
| Net interest income | 1,782,000 | 3,586,000 | 5,328,000 | 7,165,000 |
| Noninterest income | 221,000 | 493,000 | 745,000 | 1,199,000 |
| Noninterest expense | 1,371,000 | 2,765,000 | 4,124,000 | 5,699,000 |
| Provision for loan losses | 155,000 | 310,000 | 466,000 | 783,000 |
| Pretax income | 477,000 | 1,004,000 | 1,540,000 | 1,983,000 |
| Income tax | 196,000 | 411,000 | 631,000 | 812,000 |
| Net income | 281,000 | 593,000 | 909,000 | 1,171,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,946,000 | 18,313,000 | 24,451,000 | 22,634,000 |
| Total capital | 19,192,000 | 19,544,000 | 25,751,000 | 23,999,000 |
| Risk-weighted assets | 99,343,000 | 97,215,000 | 102,433,000 | 108,053,000 |