Call reports 2012
FIRST STATE BANK OF CANDO — 2012
What FIRST STATE BANK OF CANDO 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 | 52,326,000 | 51,425,000 | 53,519,000 | 56,009,000 |
| Total loans | 26,353,000 | 28,720,000 | 28,904,000 | 28,896,000 |
| Allowance for loan losses | 368,000 | 391,000 | 266,000 | 265,000 |
| Securities available for sale | 18,228,000 | 18,858,000 | 18,147,000 | 19,675,000 |
| Securities held to maturity | 134,000 | 134,000 | 59,000 | 59,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,970,000 | 44,963,000 | 47,861,000 | 49,698,000 |
| Interest-bearing deposits | 38,440,000 | 37,023,000 | 37,789,000 | 36,060,000 |
| Noninterest-bearing deposits | 8,530,000 | 7,940,000 | 10,072,000 | 13,638,000 |
| Equity capital | 4,825,000 | 4,917,000 | 5,099,000 | 5,037,000 |
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 | 527,000 | 1,025,000 | 1,546,000 | 2,063,000 |
| Interest expense | 71,000 | 136,000 | 201,000 | 258,000 |
| Net interest income | 456,000 | 889,000 | 1,345,000 | 1,805,000 |
| Noninterest income | 30,000 | 65,000 | 96,000 | 140,000 |
| Noninterest expense | 364,000 | 732,000 | 1,101,000 | 1,527,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 68,000 |
| Pretax income | 99,000 | 192,000 | 287,000 | 390,000 |
| Income tax | 6,000 | 12,000 | 19,000 | 25,000 |
| Net income | 93,000 | 180,000 | 268,000 | 365,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,324,000 | 4,410,000 | 4,498,000 | 4,595,000 |
| Total capital | 4,692,000 | 4,802,000 | 4,765,000 | 4,862,000 |
| Risk-weighted assets | 30,517,000 | 31,634,000 | 32,375,000 | 32,429,000 |