Call reports 2012
STATE BANK & TRUST OF KENMARE — 2012
What STATE BANK & TRUST OF KENMARE 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 | 121,083,000 | 109,404,000 | 107,187,000 | 107,296,000 |
| Total loans | 61,659,000 | 66,990,000 | 67,455,000 | 65,227,000 |
| Allowance for loan losses | 765,000 | 770,000 | 849,000 | 674,000 |
| Securities available for sale | 34,250,000 | 36,813,000 | 33,454,000 | 34,660,000 |
| Securities held to maturity | 0 | 0 | 0 | 220,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 111,701,000 | 98,011,000 | 88,969,000 | 88,707,000 |
| Interest-bearing deposits | 97,335,000 | 82,399,000 | 74,107,000 | 73,520,000 |
| Noninterest-bearing deposits | 14,366,000 | 15,612,000 | 14,862,000 | 15,187,000 |
| Equity capital | 8,332,000 | 8,379,000 | 8,561,000 | 8,698,000 |
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 | 922,000 | 1,831,000 | 2,753,000 | 3,691,000 |
| Interest expense | 137,000 | 250,000 | 355,000 | 450,000 |
| Net interest income | 785,000 | 1,581,000 | 2,398,000 | 3,241,000 |
| Noninterest income | 44,000 | 93,000 | 160,000 | 216,000 |
| Noninterest expense | 471,000 | 980,000 | 1,477,000 | 2,083,000 |
| Provision for loan losses | 0 | 0 | 75,000 | 75,000 |
| Pretax income | 358,000 | 694,000 | 1,029,000 | 1,322,000 |
| Income tax | 22,000 | 44,000 | 66,000 | 86,000 |
| Net income | 336,000 | 650,000 | 963,000 | 1,236,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,202,000 | 8,256,000 | 8,464,000 | 8,631,000 |
| Total capital | 8,967,000 | 9,026,000 | 9,313,000 | 9,305,000 |
| Risk-weighted assets | 69,534,000 | 71,761,000 | 71,237,000 | 70,379,000 |