Call reports 2012
INEZ DEPOSIT BANK — 2012
What INEZ DEPOSIT 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 | 172,646,000 | 172,636,000 | 164,608,000 | 169,835,000 |
| Total loans | 61,889,000 | 61,619,000 | 60,903,000 | 59,303,000 |
| Allowance for loan losses | 921,000 | 903,000 | 928,000 | 955,000 |
| Securities available for sale | 65,034,000 | 63,543,000 | 72,678,000 | 76,798,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,594,000 | 152,732,000 | 144,585,000 | 149,902,000 |
| Interest-bearing deposits | 124,622,000 | 121,394,000 | 117,759,000 | 120,099,000 |
| Noninterest-bearing deposits | 27,972,000 | 31,338,000 | 26,825,000 | 29,802,000 |
| Equity capital | 18,771,000 | 18,875,000 | 19,017,000 | 18,759,000 |
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 | 1,567,000 | 3,054,000 | 4,492,000 | 5,926,000 |
| Interest expense | 448,000 | 874,000 | 1,247,000 | 1,604,000 |
| Net interest income | 1,119,000 | 2,180,000 | 3,245,000 | 4,322,000 |
| Noninterest income | 190,000 | 449,000 | 723,000 | 940,000 |
| Noninterest expense | 1,203,000 | 2,393,000 | 3,630,000 | 4,769,000 |
| Provision for loan losses | 23,000 | 95,000 | 118,000 | 140,000 |
| Pretax income | 85,000 | 391,000 | 470,000 | 603,000 |
| Income tax | -14,000 | 31,000 | 32,000 | 75,000 |
| Net income | 99,000 | 360,000 | 438,000 | 528,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,428,000 | 17,689,000 | 17,765,000 | 17,656,000 |
| Total capital | 18,339,000 | 18,584,000 | 18,631,000 | 18,503,000 |
| Risk-weighted assets | 72,876,000 | 71,593,000 | 69,219,000 | 67,648,000 |