Call reports 2012
F & C BANK — 2012
What F & C 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 | 119,282,000 | 118,265,000 | 122,843,000 | 129,802,000 |
| Total loans | 96,944,000 | 99,687,000 | 102,495,000 | 106,393,000 |
| Allowance for loan losses | 1,573,000 | 1,736,000 | 1,704,000 | 1,687,000 |
| Securities available for sale | 6,081,000 | 6,403,000 | 6,237,000 | 6,050,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,029,000 | 97,937,000 | 102,515,000 | 109,731,000 |
| Interest-bearing deposits | 85,559,000 | 83,653,000 | 88,729,000 | 96,380,000 |
| Noninterest-bearing deposits | 13,470,000 | 14,284,000 | 13,786,000 | 13,351,000 |
| Equity capital | 14,534,000 | 14,456,000 | 14,669,000 | 14,714,000 |
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 | 1,592,000 | 3,292,000 | 4,978,000 | 6,713,000 |
| Interest expense | 178,000 | 348,000 | 507,000 | 673,000 |
| Net interest income | 1,414,000 | 2,944,000 | 4,471,000 | 6,040,000 |
| Noninterest income | 341,000 | 567,000 | 855,000 | 1,178,000 |
| Noninterest expense | 1,207,000 | 2,406,000 | 3,660,000 | 4,972,000 |
| Provision for loan losses | 129,000 | 258,000 | 387,000 | 387,000 |
| Pretax income | 419,000 | 847,000 | 1,279,000 | 1,859,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 419,000 | 847,000 | 1,279,000 | 1,859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,373,000 | 14,281,000 | 14,473,000 | 14,553,000 |
| Total capital | 15,617,000 | 15,548,000 | 15,817,000 | 15,961,000 |
| Risk-weighted assets | 99,251,000 | 100,879,000 | 107,200,000 | 112,369,000 |