Call reports 2012
STATE BANK OF BEMENT — 2012
What STATE BANK OF BEMENT 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 | 80,861,000 | 79,190,000 | 81,452,000 | 78,543,000 |
| Total loans | 41,874,000 | 42,629,000 | 43,586,000 | 46,855,000 |
| Allowance for loan losses | 369,000 | 368,000 | 390,000 | 393,000 |
| Securities available for sale | 2,689,000 | 2,942,000 | 2,981,000 | 3,641,000 |
| Securities held to maturity | 14,861,000 | 15,872,000 | 15,858,000 | 15,157,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,387,000 | 67,724,000 | 69,820,000 | 67,159,000 |
| Interest-bearing deposits | 57,750,000 | 56,687,000 | 58,301,000 | 50,160,000 |
| Noninterest-bearing deposits | 11,637,000 | 11,037,000 | 11,519,000 | 16,999,000 |
| Equity capital | 11,329,000 | 11,295,000 | 11,421,000 | 11,248,000 |
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 | 745,000 | 1,508,000 | 2,292,000 | 3,074,000 |
| Interest expense | 50,000 | 97,000 | 140,000 | 179,000 |
| Net interest income | 695,000 | 1,411,000 | 2,152,000 | 2,895,000 |
| Noninterest income | 135,000 | 261,000 | 396,000 | 583,000 |
| Noninterest expense | 686,000 | 1,430,000 | 2,136,000 | 2,880,000 |
| Provision for loan losses | 40,000 | 55,000 | 83,000 | 108,000 |
| Pretax income | 104,000 | 187,000 | 329,000 | 490,000 |
| Income tax | 13,000 | 20,000 | 39,000 | 75,000 |
| Net income | 91,000 | 167,000 | 290,000 | 415,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,306,000 | 11,266,000 | 11,388,000 | 11,219,000 |
| Total capital | 11,675,000 | 11,634,000 | 11,778,000 | 11,612,000 |
| Risk-weighted assets | 49,492,000 | 50,736,000 | 53,680,000 | 56,826,000 |