Call reports 2012
BANK @LANTEC — 2012
What BANK @LANTEC 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 | 105,668,000 | 105,127,000 | 101,984,000 | 102,065,000 |
| Total loans | 67,313,000 | 70,751,000 | 71,532,000 | 71,055,000 |
| Allowance for loan losses | 679,000 | 704,000 | 686,000 | 666,000 |
| Securities available for sale | 19,738,000 | 18,287,000 | 16,294,000 | 14,817,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,268,000 | 86,626,000 | 83,294,000 | 84,365,000 |
| Interest-bearing deposits | 81,075,000 | 79,544,000 | 77,156,000 | 77,912,000 |
| Noninterest-bearing deposits | 7,193,000 | 7,082,000 | 6,138,000 | 6,453,000 |
| Equity capital | 11,966,000 | 12,153,000 | 12,303,000 | 12,268,000 |
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 | 947,000 | 1,907,000 | 2,844,000 | 3,786,000 |
| Interest expense | 223,000 | 422,000 | 607,000 | 787,000 |
| Net interest income | 724,000 | 1,485,000 | 2,237,000 | 2,999,000 |
| Noninterest income | 182,000 | 513,000 | 803,000 | 998,000 |
| Noninterest expense | 891,000 | 1,704,000 | 2,551,000 | 3,458,000 |
| Provision for loan losses | 3,000 | 28,000 | 42,000 | 88,000 |
| Pretax income | 12,000 | 266,000 | 447,000 | 451,000 |
| Income tax | 0 | 99,000 | 164,000 | 182,000 |
| Net income | 12,000 | 167,000 | 283,000 | 269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,509,000 | 11,203,000 | 11,056,000 | 10,961,000 |
| Total capital | 12,188,000 | 11,907,000 | 11,742,000 | 11,627,000 |
| Risk-weighted assets | 68,621,000 | 68,291,000 | 68,109,000 | 67,042,000 |