Call reports 2012
STATE BANK OF DANVERS — 2012
What STATE BANK OF DANVERS 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 | 41,994,000 | 40,798,000 | 45,396,000 | 45,151,000 |
| Total loans | 19,279,000 | 21,129,000 | 22,319,000 | 25,666,000 |
| Allowance for loan losses | 464,000 | 463,000 | 463,000 | 485,000 |
| Securities available for sale | 14,049,000 | 14,726,000 | 15,096,000 | 14,365,000 |
| Securities held to maturity | 145,000 | 52,000 | 50,000 | 47,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,278,000 | 35,125,000 | 39,610,000 | 37,891,000 |
| Interest-bearing deposits | 28,005,000 | 29,776,000 | 33,199,000 | 30,613,000 |
| Noninterest-bearing deposits | 8,273,000 | 5,349,000 | 6,411,000 | 7,278,000 |
| Equity capital | 5,213,000 | 5,277,000 | 5,361,000 | 5,356,000 |
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 | 379,000 | 764,000 | 1,158,000 | 1,556,000 |
| Interest expense | 37,000 | 75,000 | 108,000 | 141,000 |
| Net interest income | 342,000 | 689,000 | 1,050,000 | 1,415,000 |
| Noninterest income | 22,000 | 44,000 | 65,000 | 85,000 |
| Noninterest expense | 280,000 | 532,000 | 803,000 | 1,039,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 84,000 | 201,000 | 312,000 | 461,000 |
| Income tax | 0 | 1,000 | 1,000 | 1,000 |
| Net income | 84,000 | 200,000 | 311,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,953,000 | 4,987,000 | 5,053,000 | 5,102,000 |
| Total capital | 5,260,000 | 5,310,000 | 5,400,000 | 5,483,000 |
| Risk-weighted assets | 24,321,000 | 25,680,000 | 27,680,000 | 30,373,000 |