Call reports 2012
FOUNDATION ONE BANK — 2012
What FOUNDATION ONE 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 | 48,972,000 | 50,408,000 | 53,197,000 | 53,799,000 |
| Total loans | 35,307,000 | 41,002,000 | 41,303,000 | 44,729,000 |
| Allowance for loan losses | 373,000 | 413,000 | 433,000 | 406,000 |
| Securities available for sale | 5,093,000 | 3,933,000 | 4,961,000 | 5,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,428,000 | 42,491,000 | 45,142,000 | 43,622,000 |
| Interest-bearing deposits | 36,404,000 | 36,379,000 | 38,074,000 | 36,764,000 |
| Noninterest-bearing deposits | 6,025,000 | 6,112,000 | 7,068,000 | 6,858,000 |
| Equity capital | 5,664,000 | 5,777,000 | 5,930,000 | 6,035,000 |
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 | 511,000 | 1,035,000 | 1,603,000 | 2,157,000 |
| Interest expense | 132,000 | 253,000 | 365,000 | 471,000 |
| Net interest income | 379,000 | 782,000 | 1,238,000 | 1,686,000 |
| Noninterest income | 206,000 | 460,000 | 764,000 | 1,076,000 |
| Noninterest expense | 494,000 | 1,011,000 | 1,596,000 | 2,176,000 |
| Provision for loan losses | 16,000 | 56,000 | 76,000 | 135,000 |
| Pretax income | 75,000 | 175,000 | 330,000 | 451,000 |
| Income tax | 0 | 2,000 | 5,000 | 15,000 |
| Net income | 75,000 | 173,000 | 325,000 | 436,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,967,000 | 5,072,000 | 5,230,000 | 5,347,000 |
| Total capital | 5,340,000 | 5,485,000 | 5,663,000 | 5,753,000 |
| Risk-weighted assets | 30,916,000 | 34,689,000 | 36,933,000 | 38,217,000 |
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