Call reports 2012
H. F. GEHANT BANKING CO. — 2012
What H. F. GEHANT BANKING CO. 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 | 58,720,000 | 59,516,000 | 58,696,000 | 58,582,000 |
| Total loans | 35,003,000 | 37,191,000 | 38,283,000 | 39,502,000 |
| Allowance for loan losses | 545,000 | 551,000 | 615,000 | 538,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 11,266,000 | 11,175,000 | 10,526,000 | 9,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,539,000 | 53,154,000 | 52,187,000 | 52,002,000 |
| Interest-bearing deposits | 47,918,000 | 49,087,000 | 48,125,000 | 46,606,000 |
| Noninterest-bearing deposits | 4,621,000 | 4,067,000 | 4,062,000 | 5,396,000 |
| Equity capital | 6,068,000 | 6,235,000 | 6,395,000 | 6,497,000 |
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 | 572,000 | 1,169,000 | 1,755,000 | 2,329,000 |
| Interest expense | 119,000 | 222,000 | 317,000 | 403,000 |
| Net interest income | 453,000 | 947,000 | 1,438,000 | 1,926,000 |
| Noninterest income | 18,000 | 37,000 | 63,000 | 107,000 |
| Noninterest expense | 274,000 | 564,000 | 809,000 | 1,198,000 |
| Provision for loan losses | 75,000 | 75,000 | 95,000 | 115,000 |
| Pretax income | 122,000 | 345,000 | 597,000 | 720,000 |
| Income tax | 0 | 0 | 0 | 8,000 |
| Net income | 122,000 | 345,000 | 597,000 | 712,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,068,000 | 6,235,000 | 6,395,000 | 6,497,000 |
| Total capital | 6,462,000 | 6,682,000 | 6,842,000 | 6,960,000 |
| Risk-weighted assets | 33,021,000 | 35,645,000 | 35,995,000 | 36,971,000 |
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