Call reports 2012
ST. HENRY BANK, THE — 2012
What ST. HENRY BANK, THE 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 | 248,477,000 | 251,313,000 | 256,220,000 | 262,996,000 |
| Total loans | 113,099,000 | 116,287,000 | 118,198,000 | 119,484,000 |
| Allowance for loan losses | 1,787,000 | 1,801,000 | 1,813,000 | 1,827,000 |
| Securities available for sale | 93,830,000 | 105,928,000 | 114,511,000 | 111,612,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 193,417,000 | 196,930,000 | 201,793,000 | 208,379,000 |
| Interest-bearing deposits | 165,129,000 | 170,642,000 | 171,730,000 | 171,793,000 |
| Noninterest-bearing deposits | 28,288,000 | 26,288,000 | 30,063,000 | 36,586,000 |
| Equity capital | 40,546,000 | 40,508,000 | 41,389,000 | 41,803,000 |
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 | 2,411,000 | 4,862,000 | 7,336,000 | 9,717,000 |
| Interest expense | 486,000 | 971,000 | 1,442,000 | 1,892,000 |
| Net interest income | 1,925,000 | 3,891,000 | 5,894,000 | 7,825,000 |
| Noninterest income | 196,000 | 407,000 | 689,000 | 1,022,000 |
| Noninterest expense | 729,000 | 1,549,000 | 2,322,000 | 3,323,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 1,459,000 | 2,804,000 | 4,314,000 | 5,554,000 |
| Income tax | 24,000 | 41,000 | 49,000 | 58,000 |
| Net income | 1,435,000 | 2,763,000 | 4,265,000 | 5,496,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,309,000 | 36,567,000 | 36,884,000 | 38,114,000 |
| Total capital | 38,811,000 | 38,144,000 | 38,443,000 | 39,773,000 |
| Risk-weighted assets | 119,880,000 | 125,912,000 | 124,479,000 | 132,609,000 |