Call reports 2012
BANK OF MODESTO — 2012
What BANK OF MODESTO 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 | 41,959,000 | 40,745,000 | 42,167,000 | 42,532,000 |
| Total loans | 22,051,000 | 21,960,000 | 22,533,000 | 22,977,000 |
| Allowance for loan losses | 200,000 | 201,000 | 201,000 | 201,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 13,862,000 | 13,444,000 | 13,383,000 | 12,944,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,812,000 | 36,555,000 | 37,932,000 | 38,287,000 |
| Interest-bearing deposits | 31,477,000 | 30,006,000 | 31,717,000 | 30,993,000 |
| Noninterest-bearing deposits | 6,335,000 | 6,549,000 | 6,215,000 | 7,294,000 |
| Equity capital | 4,077,000 | 4,143,000 | 4,181,000 | 4,192,000 |
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 | 380,000 | 755,000 | 1,127,000 | 1,530,000 |
| Interest expense | 50,000 | 98,000 | 143,000 | 183,000 |
| Net interest income | 330,000 | 657,000 | 984,000 | 1,347,000 |
| Noninterest income | 23,000 | 58,000 | 82,000 | 110,000 |
| Noninterest expense | 259,000 | 504,000 | 753,000 | 1,023,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 94,000 | 211,000 | 313,000 | 434,000 |
| Income tax | 28,000 | 79,000 | 123,000 | 143,000 |
| Net income | 66,000 | 132,000 | 190,000 | 291,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,769,000 | 3,854,000 | 3,911,000 | 3,941,000 |
| Total capital | 3,969,000 | 4,055,000 | 4,112,000 | 4,142,000 |
| Risk-weighted assets | 25,745,000 | 24,682,000 | 25,461,000 | 25,629,000 |