Call reports 2012
REGIONAL MISSOURI BANK — 2012
What REGIONAL MISSOURI 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 | 135,794,000 | 133,024,000 | 152,241,000 | 155,264,000 |
| Total loans | 99,598,000 | 100,361,000 | 112,376,000 | 108,849,000 |
| Allowance for loan losses | 1,001,000 | 1,032,000 | 1,133,000 | 1,041,000 |
| Securities available for sale | 22,142,000 | 27,253,000 | 31,470,000 | 32,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,186,000 | 119,359,000 | 135,774,000 | 139,640,000 |
| Interest-bearing deposits | 106,642,000 | 102,880,000 | 114,871,000 | 114,829,000 |
| Noninterest-bearing deposits | 16,544,000 | 16,479,000 | 20,903,000 | 24,811,000 |
| Equity capital | 12,248,000 | 12,697,000 | 15,966,000 | 15,051,000 |
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 | 1,568,000 | 3,088,000 | 4,888,000 | 6,441,000 |
| Interest expense | 392,000 | 773,000 | 1,131,000 | 1,471,000 |
| Net interest income | 1,176,000 | 2,315,000 | 3,757,000 | 4,970,000 |
| Noninterest income | 461,000 | 646,000 | 1,982,000 | 2,475,000 |
| Noninterest expense | 719,000 | 1,446,000 | 2,257,000 | 3,326,000 |
| Provision for loan losses | 60,000 | 90,000 | 120,000 | 170,000 |
| Pretax income | 858,000 | 1,425,000 | 3,362,000 | 3,951,000 |
| Income tax | 13,000 | 13,000 | 13,000 | 13,000 |
| Net income | 845,000 | 1,412,000 | 3,349,000 | 3,938,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,954,000 | 11,371,000 | 14,617,000 | 13,805,000 |
| Total capital | 11,955,000 | 12,403,000 | 15,750,000 | 14,846,000 |
| Risk-weighted assets | 97,331,000 | 99,988,000 | 114,577,000 | 113,816,000 |