Call reports 2012
REDSTONE BANK — 2012
What REDSTONE 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 | 56,716,000 | 59,879,000 | 65,958,000 | 66,850,000 |
| Total loans | 38,466,000 | 42,429,000 | 44,215,000 | 48,025,000 |
| Allowance for loan losses | 584,000 | 642,000 | 672,000 | 729,000 |
| Securities available for sale | 2,517,000 | 2,585,000 | 2,076,000 | 2,077,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 48,786,000 | 51,820,000 | 57,745,000 | 58,420,000 |
| Interest-bearing deposits | 36,376,000 | 39,353,000 | 42,091,000 | 42,968,000 |
| Noninterest-bearing deposits | 12,410,000 | 12,467,000 | 15,654,000 | 15,452,000 |
| Equity capital | 7,800,000 | 7,875,000 | 8,003,000 | 8,199,000 |
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 | 693,000 | 1,489,000 | 2,312,000 | 3,239,000 |
| Interest expense | 106,000 | 225,000 | 346,000 | 470,000 |
| Net interest income | 587,000 | 1,264,000 | 1,966,000 | 2,769,000 |
| Noninterest income | 18,000 | 37,000 | 59,000 | 81,000 |
| Noninterest expense | 536,000 | 1,120,000 | 1,699,000 | 2,283,000 |
| Provision for loan losses | 59,000 | 118,000 | 147,000 | 207,000 |
| Pretax income | 10,000 | 63,000 | 179,000 | 360,000 |
| Income tax | 0 | 0 | 2,000 | 2,000 |
| Net income | 10,000 | 63,000 | 177,000 | 358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,798,000 | 7,874,000 | 8,000,000 | 8,196,000 |
| Total capital | 8,366,000 | 8,415,000 | 8,629,000 | 8,856,000 |
| Risk-weighted assets | 45,447,000 | 47,737,000 | 50,267,000 | 52,749,000 |