Call reports 2012
BANK OF HOLLAND — 2012
What BANK OF HOLLAND 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 | 77,889,000 | 82,194,000 | 82,490,000 | 83,666,000 |
| Total loans | 53,226,000 | 53,857,000 | 55,714,000 | 56,651,000 |
| Allowance for loan losses | 785,000 | 744,000 | 775,000 | 750,000 |
| Securities available for sale | 10,712,000 | 15,907,000 | 15,828,000 | 15,905,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,635,000 | 74,800,000 | 75,245,000 | 76,314,000 |
| Interest-bearing deposits | 55,337,000 | 58,806,000 | 57,943,000 | 59,101,000 |
| Noninterest-bearing deposits | 15,298,000 | 15,994,000 | 17,302,000 | 17,213,000 |
| Equity capital | 6,858,000 | 6,958,000 | 7,122,000 | 7,229,000 |
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 | 872,000 | 1,744,000 | 2,650,000 | 3,554,000 |
| Interest expense | 101,000 | 201,000 | 304,000 | 404,000 |
| Net interest income | 771,000 | 1,543,000 | 2,346,000 | 3,150,000 |
| Noninterest income | 139,000 | 290,000 | 445,000 | 613,000 |
| Noninterest expense | 708,000 | 1,480,000 | 2,257,000 | 3,080,000 |
| Provision for loan losses | 54,000 | 54,000 | 88,000 | 96,000 |
| Pretax income | 158,000 | 309,000 | 456,000 | 597,000 |
| Income tax | 22,000 | 44,000 | 72,000 | 90,000 |
| Net income | 136,000 | 265,000 | 384,000 | 507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,407,000 | 7,537,000 | 7,586,000 | 7,706,000 |
| Total capital | 7,992,000 | 8,128,000 | 8,189,000 | 8,321,000 |
| Risk-weighted assets | 48,774,000 | 50,286,000 | 51,169,000 | 56,122,000 |