Call reports 2012
STATE BANK OF DELANO — 2012
What STATE BANK OF DELANO 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 | 80,461,000 | 78,373,000 | 75,442,000 | 79,092,000 |
| Total loans | 43,628,000 | 42,222,000 | 43,299,000 | 42,328,000 |
| Allowance for loan losses | 1,774,000 | 1,628,000 | 1,403,000 | 1,294,000 |
| Securities available for sale | 11,717,000 | 9,844,000 | 6,987,000 | 12,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,891,000 | 72,821,000 | 69,979,000 | 73,827,000 |
| Interest-bearing deposits | 60,712,000 | 60,007,000 | 56,321,000 | 56,915,000 |
| Noninterest-bearing deposits | 13,179,000 | 12,814,000 | 13,658,000 | 16,912,000 |
| Equity capital | 4,418,000 | 4,408,000 | 4,249,000 | 4,115,000 |
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 | 705,000 | 1,387,000 | 2,086,000 | 2,774,000 |
| Interest expense | 94,000 | 179,000 | 240,000 | 294,000 |
| Net interest income | 611,000 | 1,208,000 | 1,846,000 | 2,480,000 |
| Noninterest income | 125,000 | 188,000 | 94,000 | 130,000 |
| Noninterest expense | 650,000 | 1,374,000 | 2,053,000 | 2,789,000 |
| Provision for loan losses | 35,000 | 35,000 | 35,000 | 35,000 |
| Pretax income | 51,000 | -13,000 | -148,000 | -214,000 |
| Income tax | 0 | 0 | 0 | 1,000 |
| Net income | 51,000 | -13,000 | -148,000 | -215,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,245,000 | 4,181,000 | 4,046,000 | 3,979,000 |
| Total capital | 4,961,000 | 4,868,000 | 4,734,000 | 4,619,000 |
| Risk-weighted assets | 56,226,000 | 53,987,000 | 54,336,000 | 50,517,000 |