Call reports 2012
FRIENDS BANK — 2012
What FRIENDS 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 | 124,408,000 | 123,227,000 | 117,047,000 | 112,614,000 |
| Total loans | 91,773,000 | 88,042,000 | 84,445,000 | 80,589,000 |
| Allowance for loan losses | 3,360,000 | 3,045,000 | 1,865,000 | 1,866,000 |
| Securities available for sale | 3,820,000 | 3,402,000 | 2,955,000 | 2,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,765,000 | 117,232,000 | 110,983,000 | 107,237,000 |
| Interest-bearing deposits | 107,187,000 | 106,328,000 | 100,901,000 | 97,710,000 |
| Noninterest-bearing deposits | 10,578,000 | 10,904,000 | 10,082,000 | 9,528,000 |
| Equity capital | 6,503,000 | 5,818,000 | 5,829,000 | 5,166,000 |
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 | 1,313,000 | 2,532,000 | 3,506,000 | 4,616,000 |
| Interest expense | 297,000 | 581,000 | 841,000 | 1,079,000 |
| Net interest income | 1,016,000 | 1,951,000 | 2,665,000 | 3,537,000 |
| Noninterest income | -102,000 | -200,000 | -364,000 | -579,000 |
| Noninterest expense | 1,098,000 | 2,086,000 | 3,051,000 | 4,073,000 |
| Provision for loan losses | 0 | 441,000 | 202,000 | 434,000 |
| Pretax income | -184,000 | -776,000 | -739,000 | -1,336,000 |
| Income tax | 94,000 | 99,000 | 113,000 | 137,000 |
| Net income | -278,000 | -875,000 | -852,000 | -1,473,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,329,000 | 5,664,000 | 5,687,000 | 5,065,000 |
| Total capital | 7,547,000 | 6,837,000 | 6,824,000 | 6,137,000 |
| Risk-weighted assets | 95,291,000 | 91,929,000 | 90,183,000 | 84,954,000 |