Call reports 2012
CHARLEVOIX STATE BANK — 2012
What CHARLEVOIX STATE 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 | 147,226,000 | 139,607,000 | 157,857,000 | 146,975,000 |
| Total loans | 103,798,000 | 102,759,000 | 97,830,000 | 98,709,000 |
| Allowance for loan losses | 1,884,000 | 1,997,000 | 1,865,000 | 1,847,000 |
| Securities available for sale | 15,137,000 | 15,381,000 | 15,356,000 | 17,042,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,603,000 | 125,566,000 | 143,841,000 | 133,133,000 |
| Interest-bearing deposits | 100,717,000 | 93,129,000 | 110,241,000 | 98,532,000 |
| Noninterest-bearing deposits | 32,886,000 | 32,437,000 | 33,600,000 | 34,601,000 |
| Equity capital | 13,220,000 | 13,295,000 | 13,325,000 | 13,177,000 |
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 | 1,557,000 | 3,130,000 | 4,609,000 | 6,167,000 |
| Interest expense | 164,000 | 317,000 | 470,000 | 603,000 |
| Net interest income | 1,393,000 | 2,813,000 | 4,139,000 | 5,564,000 |
| Noninterest income | 329,000 | 655,000 | 1,163,000 | 1,548,000 |
| Noninterest expense | 1,119,000 | 2,203,000 | 3,588,000 | 4,708,000 |
| Provision for loan losses | 293,000 | 443,000 | 496,000 | 695,000 |
| Pretax income | 310,000 | 822,000 | 1,218,000 | 1,793,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 310,000 | 822,000 | 1,218,000 | 1,793,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,926,000 | 12,943,000 | 12,929,000 | 12,929,000 |
| Total capital | 14,224,000 | 14,219,000 | 14,219,000 | 14,182,000 |
| Risk-weighted assets | 102,469,000 | 101,431,000 | 102,663,000 | 99,704,000 |