Call reports 2012
GUERNSEY BANK, THE — 2012
What GUERNSEY BANK, THE 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 | 128,545,000 | 131,061,000 | 133,446,000 | 132,155,000 |
| Total loans | 94,867,000 | 93,401,000 | 90,271,000 | 87,769,000 |
| Allowance for loan losses | 1,270,000 | 1,278,000 | 1,278,000 | 1,281,000 |
| Securities available for sale | 16,394,000 | 19,712,000 | 20,008,000 | 14,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,375,000 | 109,828,000 | 111,554,000 | 111,059,000 |
| Interest-bearing deposits | 98,989,000 | 102,723,000 | 103,327,000 | 102,284,000 |
| Noninterest-bearing deposits | 8,386,000 | 7,105,000 | 8,227,000 | 8,775,000 |
| Equity capital | 10,509,000 | 10,904,000 | 11,439,000 | 10,814,000 |
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 | 1,573,000 | 3,128,000 | 4,634,000 | 6,075,000 |
| Interest expense | 351,000 | 697,000 | 1,041,000 | 1,367,000 |
| Net interest income | 1,222,000 | 2,431,000 | 3,593,000 | 4,708,000 |
| Noninterest income | 140,000 | 210,000 | 359,000 | -91,000 |
| Noninterest expense | 1,064,000 | 2,177,000 | 3,315,000 | 4,502,000 |
| Provision for loan losses | 115,000 | 115,000 | 115,000 | 115,000 |
| Pretax income | 693,000 | 1,043,000 | 1,260,000 | 987,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 693,000 | 1,043,000 | 1,260,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,950,000 | 11,209,000 | 11,298,000 | 10,960,000 |
| Total capital | 12,043,000 | 12,300,000 | 12,382,000 | 11,981,000 |
| Risk-weighted assets | 87,288,000 | 87,121,000 | 86,555,000 | 81,418,000 |