Call reports 2012
EAST RIVER BANK — 2012
What EAST RIVER 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 | 230,885,000 | 234,541,000 | 230,472,000 | 237,593,000 |
| Total loans | 173,666,000 | 177,750,000 | 184,491,000 | 193,585,000 |
| Allowance for loan losses | 2,195,000 | 2,284,000 | 2,484,000 | 2,526,000 |
| Securities available for sale | 9,717,000 | 9,465,000 | 9,032,000 | 8,790,000 |
| Securities held to maturity | 19,463,000 | 18,040,000 | 16,492,000 | 14,932,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,281,000 | 197,708,000 | 193,260,000 | 200,118,000 |
| Interest-bearing deposits | 183,854,000 | 185,402,000 | 181,008,000 | 185,821,000 |
| Noninterest-bearing deposits | 10,427,000 | 12,306,000 | 12,252,000 | 14,297,000 |
| Equity capital | 22,395,000 | 22,639,000 | 22,915,000 | 23,236,000 |
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 | 2,902,000 | 5,787,000 | 8,656,000 | 11,535,000 |
| Interest expense | 678,000 | 1,334,000 | 1,965,000 | 2,560,000 |
| Net interest income | 2,224,000 | 4,453,000 | 6,691,000 | 8,975,000 |
| Noninterest income | 105,000 | 114,000 | 224,000 | 353,000 |
| Noninterest expense | 1,579,000 | 3,204,000 | 4,836,000 | 6,539,000 |
| Provision for loan losses | 300,000 | 545,000 | 845,000 | 1,075,000 |
| Pretax income | 547,000 | 915,000 | 1,331,000 | 1,811,000 |
| Income tax | 186,000 | 313,000 | 457,000 | 622,000 |
| Net income | 361,000 | 602,000 | 874,000 | 1,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,370,000 | 22,611,000 | 22,884,000 | 23,198,000 |
| Total capital | 24,015,000 | 24,291,000 | 24,645,000 | 25,063,000 |
| Risk-weighted assets | 131,034,000 | 133,691,000 | 140,085,000 | 148,470,000 |
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