Call reports 2012
STOCK GROWERS BANK — 2012
What STOCK GROWERS 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 | 58,131,000 | 56,499,000 | 55,325,000 | 64,754,000 |
| Total loans | 31,085,000 | 32,832,000 | 32,580,000 | 32,386,000 |
| Allowance for loan losses | 353,000 | 349,000 | 348,000 | 348,000 |
| Securities available for sale | 16,714,000 | 19,220,000 | 19,320,000 | 19,607,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,430,000 | 49,402,000 | 46,765,000 | 57,076,000 |
| Interest-bearing deposits | 43,028,000 | 41,102,000 | 38,819,000 | 45,549,000 |
| Noninterest-bearing deposits | 8,402,000 | 8,300,000 | 7,946,000 | 11,527,000 |
| Equity capital | 6,499,000 | 6,857,000 | 7,284,000 | 7,449,000 |
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 | 560,000 | 1,135,000 | 1,739,000 | 2,331,000 |
| Interest expense | 97,000 | 183,000 | 266,000 | 344,000 |
| Net interest income | 463,000 | 952,000 | 1,473,000 | 1,987,000 |
| Noninterest income | 32,000 | 54,000 | 134,000 | 183,000 |
| Noninterest expense | 213,000 | 445,000 | 688,000 | 1,048,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 282,000 | 567,000 | 925,000 | 1,134,000 |
| Income tax | 33,000 | 58,000 | 81,000 | 93,000 |
| Net income | 249,000 | 509,000 | 844,000 | 1,041,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,724,000 | 5,986,000 | 6,323,000 | 6,520,000 |
| Total capital | 6,077,000 | 6,335,000 | 6,671,000 | 6,868,000 |
| Risk-weighted assets | 37,364,000 | 39,081,000 | 38,953,000 | 40,580,000 |