Call reports 2012
NBRS FINANCIAL BANK — 2012
What NBRS FINANCIAL 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 | 234,559,000 | 232,078,000 | 225,147,000 | 219,821,000 |
| Total loans | 178,786,000 | 168,022,000 | 158,381,000 | 152,743,000 |
| Allowance for loan losses | 6,184,000 | 6,226,000 | 5,835,000 | 5,278,000 |
| Securities available for sale | 28,118,000 | 30,083,000 | 28,985,000 | 27,365,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 219,318,000 | 216,859,000 | 210,400,000 | 205,892,000 |
| Interest-bearing deposits | 187,084,000 | 184,080,000 | 180,718,000 | 172,365,000 |
| Noninterest-bearing deposits | 32,233,000 | 32,778,000 | 29,682,000 | 33,527,000 |
| Equity capital | 12,393,000 | 12,257,000 | 11,832,000 | 10,956,000 |
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 | 2,437,000 | 4,971,000 | 7,454,000 | 9,683,000 |
| Interest expense | 409,000 | 769,000 | 1,104,000 | 1,397,000 |
| Net interest income | 2,028,000 | 4,202,000 | 6,350,000 | 8,286,000 |
| Noninterest income | 120,000 | 537,000 | 945,000 | 754,000 |
| Noninterest expense | 2,540,000 | 5,116,000 | 7,722,000 | 10,557,000 |
| Provision for loan losses | 564,000 | 839,000 | 1,239,000 | 1,482,000 |
| Pretax income | -896,000 | -1,156,000 | -1,606,000 | -2,939,000 |
| Income tax | 0 | 0 | 0 | -74,000 |
| Net income | -896,000 | -1,156,000 | -1,606,000 | -2,865,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,338,000 | 12,079,000 | 11,629,000 | 10,624,000 |
| Total capital | 14,541,000 | 14,132,000 | 13,593,000 | 12,512,000 |
| Risk-weighted assets | 172,255,000 | 160,061,000 | 153,251,000 | 147,615,000 |