Call reports 2012
RUTH STATE BANK — 2012
What RUTH STATE 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 | 31,224,000 | 31,130,000 | 31,240,000 | 35,461,000 |
| Total loans | 8,333,000 | 8,108,000 | 7,934,000 | 8,669,000 |
| Allowance for loan losses | 125,000 | 125,000 | 125,000 | 163,000 |
| Securities available for sale | 15,920,000 | 13,841,000 | 13,447,000 | 12,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,995,000 | 27,842,000 | 27,866,000 | 32,168,000 |
| Interest-bearing deposits | 22,787,000 | 23,192,000 | 22,731,000 | 25,664,000 |
| Noninterest-bearing deposits | 5,208,000 | 4,650,000 | 5,135,000 | 6,504,000 |
| Equity capital | 3,008,000 | 3,056,000 | 3,142,000 | 3,062,000 |
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 | 198,000 | 393,000 | 591,000 | 783,000 |
| Interest expense | 47,000 | 92,000 | 136,000 | 178,000 |
| Net interest income | 151,000 | 301,000 | 455,000 | 605,000 |
| Noninterest income | 16,000 | 31,000 | 46,000 | 76,000 |
| Noninterest expense | 151,000 | 303,000 | 464,000 | 642,000 |
| Provision for loan losses | 0 | 0 | 0 | 38,000 |
| Pretax income | 16,000 | 31,000 | 52,000 | 20,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 16,000 | 31,000 | 52,000 | 20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,905,000 | 2,920,000 | 2,940,000 | 2,909,000 |
| Total capital | 3,030,000 | 3,045,000 | 3,065,000 | 3,066,000 |
| Risk-weighted assets | 13,744,000 | 11,277,000 | 11,442,000 | 12,546,000 |
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