Call reports 2012
AREA BANK — 2012
What AREA 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 | 66,011,000 | 65,604,000 | 69,990,000 | 76,558,000 |
| Total loans | 23,977,000 | 22,901,000 | 23,513,000 | 24,504,000 |
| Allowance for loan losses | 595,000 | 608,000 | 641,000 | 642,000 |
| Securities available for sale | 36,430,000 | 37,809,000 | 40,909,000 | 47,592,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,379,000 | 58,545,000 | 61,070,000 | 61,020,000 |
| Interest-bearing deposits | 47,376,000 | 47,434,000 | 49,900,000 | 49,957,000 |
| Noninterest-bearing deposits | 12,003,000 | 11,111,000 | 11,170,000 | 11,063,000 |
| Equity capital | 5,652,000 | 6,066,000 | 6,438,000 | 6,155,000 |
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 | 606,000 | 1,216,000 | 1,806,000 | 2,387,000 |
| Interest expense | 127,000 | 249,000 | 367,000 | 473,000 |
| Net interest income | 479,000 | 967,000 | 1,439,000 | 1,914,000 |
| Noninterest income | 61,000 | 137,000 | 213,000 | 292,000 |
| Noninterest expense | 374,000 | 755,000 | 1,143,000 | 1,590,000 |
| Provision for loan losses | 15,000 | 33,000 | 33,000 | 33,000 |
| Pretax income | 151,000 | 316,000 | 476,000 | 631,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 151,000 | 316,000 | 476,000 | 631,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,153,000 | 5,294,000 | 5,454,000 | 5,609,000 |
| Total capital | 5,585,000 | 5,722,000 | 5,874,000 | 6,056,000 |
| Risk-weighted assets | 34,365,000 | 34,059,000 | 33,371,000 | 35,586,000 |