Call reports 2012
BANCROFT STATE BANK — 2012
What BANCROFT 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 | 67,908,000 | 67,490,000 | 68,007,000 | 71,316,000 |
| Total loans | 50,799,000 | 50,692,000 | 49,408,000 | 47,561,000 |
| Allowance for loan losses | 782,000 | 856,000 | 780,000 | 540,000 |
| Securities available for sale | 5,169,000 | 6,043,000 | 6,727,000 | 7,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,703,000 | 61,317,000 | 61,728,000 | 64,982,000 |
| Interest-bearing deposits | 52,712,000 | 51,406,000 | 51,705,000 | 51,471,000 |
| Noninterest-bearing deposits | 8,991,000 | 9,911,000 | 10,023,000 | 13,511,000 |
| Equity capital | 6,105,000 | 6,099,000 | 6,189,000 | 6,249,000 |
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 | 811,000 | 1,588,000 | 2,358,000 | 3,136,000 |
| Interest expense | 132,000 | 254,000 | 372,000 | 484,000 |
| Net interest income | 679,000 | 1,334,000 | 1,986,000 | 2,652,000 |
| Noninterest income | -13,000 | -109,000 | -65,000 | 154,000 |
| Noninterest expense | 639,000 | 1,140,000 | 1,723,000 | 2,462,000 |
| Provision for loan losses | 76,000 | 151,000 | 201,000 | 251,000 |
| Pretax income | -49,000 | -66,000 | -3,000 | 93,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -49,000 | -66,000 | -3,000 | 93,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,029,000 | 6,013,000 | 6,075,000 | 6,168,000 |
| Total capital | 6,633,000 | 6,611,000 | 6,664,000 | 6,708,000 |
| Risk-weighted assets | 48,121,000 | 47,551,000 | 46,931,000 | 46,508,000 |