Call reports 2012
STATE GUARANTY BANK — 2012
What STATE GUARANTY 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 | 39,979,000 | 40,640,000 | 40,975,000 | 40,374,000 |
| Total loans | 12,245,000 | 12,461,000 | 12,080,000 | 11,817,000 |
| Allowance for loan losses | 65,000 | 75,000 | 91,000 | 1,000 |
| Securities available for sale | 23,989,000 | 23,879,000 | 23,393,000 | 12,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,855,000 | 35,425,000 | 35,648,000 | 35,162,000 |
| Interest-bearing deposits | 30,392,000 | 30,371,000 | 30,499,000 | 30,053,000 |
| Noninterest-bearing deposits | 4,463,000 | 5,054,000 | 5,149,000 | 5,109,000 |
| Equity capital | 4,641,000 | 4,734,000 | 4,810,000 | 5,046,000 |
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 | 318,000 | 625,000 | 923,000 | 61,000 |
| Interest expense | 53,000 | 104,000 | 149,000 | 4,000 |
| Net interest income | 265,000 | 521,000 | 774,000 | 57,000 |
| Noninterest income | 81,000 | 190,000 | 276,000 | 717,000 |
| Noninterest expense | 249,000 | 513,000 | 765,000 | 104,000 |
| Provision for loan losses | 17,000 | 25,000 | 40,000 | 0 |
| Pretax income | 80,000 | 173,000 | 245,000 | 517,000 |
| Income tax | 14,000 | 28,000 | 43,000 | 22,000 |
| Net income | 66,000 | 145,000 | 202,000 | 495,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,219,000 | 4,298,000 | 4,354,000 | 4,923,000 |
| Total capital | 4,284,000 | 4,373,000 | 4,445,000 | 4,924,000 |
| Risk-weighted assets | 19,560,000 | 19,950,000 | 19,734,000 | 19,780,000 |