Call reports 2012
MILESTONE BANK — 2012
What MILESTONE 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 | 69,447,000 | 70,678,000 | 72,404,000 | 74,584,000 |
| Total loans | 64,777,000 | 66,963,000 | 69,079,000 | 69,337,000 |
| Allowance for loan losses | 1,952,000 | 1,777,000 | 1,593,000 | 1,719,000 |
| Securities available for sale | 0 | 0 | 0 | 501,000 |
| Securities held to maturity | 418,000 | 418,000 | 283,000 | 283,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,068,000 | 54,501,000 | 54,639,000 | 57,168,000 |
| Interest-bearing deposits | 53,696,000 | 53,699,000 | 53,939,000 | 56,747,000 |
| Noninterest-bearing deposits | 372,000 | 802,000 | 700,000 | 421,000 |
| Equity capital | 11,521,000 | 11,843,000 | 12,284,000 | 12,678,000 |
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 | 2,060,000 | 4,208,000 | 6,275,000 | 8,344,000 |
| Interest expense | 245,000 | 487,000 | 690,000 | 881,000 |
| Net interest income | 1,815,000 | 3,721,000 | 5,585,000 | 7,463,000 |
| Noninterest income | 2,000 | 81,000 | 89,000 | 180,000 |
| Noninterest expense | 748,000 | 1,600,000 | 2,332,000 | 3,110,000 |
| Provision for loan losses | 342,000 | 502,000 | 477,000 | 608,000 |
| Pretax income | 727,000 | 1,700,000 | 2,865,000 | 3,925,000 |
| Income tax | 275,000 | 644,000 | 1,087,000 | 1,476,000 |
| Net income | 452,000 | 1,056,000 | 1,778,000 | 2,449,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,521,000 | 11,843,000 | 12,284,000 | 12,678,000 |
| Total capital | 12,353,000 | 12,699,000 | 13,164,000 | 13,568,000 |
| Risk-weighted assets | 65,394,000 | 67,540,000 | 69,702,000 | 70,390,000 |