Call reports 2012
ERGO BANK — 2012
What ERGO 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 | 74,337,000 | 73,168,000 | 73,720,000 | 75,714,000 |
| Total loans | 33,852,000 | 35,142,000 | 36,614,000 | 36,828,000 |
| Allowance for loan losses | 1,425,000 | 1,379,000 | 1,397,000 | 1,368,000 |
| Securities available for sale | 31,126,000 | 31,611,000 | 30,946,000 | 30,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,984,000 | 59,630,000 | 60,169,000 | 62,109,000 |
| Interest-bearing deposits | 56,498,000 | 55,423,000 | 54,973,000 | 57,388,000 |
| Noninterest-bearing deposits | 4,486,000 | 4,207,000 | 5,196,000 | 4,721,000 |
| Equity capital | 10,523,000 | 10,636,000 | 10,618,000 | 10,718,000 |
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 | 733,000 | 1,473,000 | 2,217,000 | 2,974,000 |
| Interest expense | 131,000 | 251,000 | 354,000 | 457,000 |
| Net interest income | 602,000 | 1,222,000 | 1,863,000 | 2,517,000 |
| Noninterest income | 74,000 | 176,000 | 249,000 | 367,000 |
| Noninterest expense | 570,000 | 1,086,000 | 1,676,000 | 2,128,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 32,000 |
| Pretax income | 91,000 | 282,000 | 391,000 | 724,000 |
| Income tax | 20,000 | 38,000 | 38,000 | 71,000 |
| Net income | 71,000 | 244,000 | 353,000 | 653,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,692,000 | 9,723,000 | 9,686,000 | 9,868,000 |
| Total capital | 10,225,000 | 10,267,000 | 10,216,000 | 10,437,000 |
| Risk-weighted assets | 40,981,000 | 42,152,000 | 43,281,000 | 43,955,000 |