Call reports 2012
STATE-INVESTORS BANK — 2012
What STATE-INVESTORS 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 | 242,542,000 | 245,350,000 | 244,325,000 | 246,165,000 |
| Total loans | 181,062,000 | 181,123,000 | 180,901,000 | 176,558,000 |
| Allowance for loan losses | 1,626,000 | 1,646,000 | 1,676,000 | 1,726,000 |
| Securities available for sale | 45,788,000 | 44,333,000 | 42,955,000 | 46,074,000 |
| Securities held to maturity | 464,000 | 445,000 | 421,000 | 399,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 158,736,000 | 159,323,000 | 163,237,000 | 167,825,000 |
| Interest-bearing deposits | 146,762,000 | 146,519,000 | 150,269,000 | 155,308,000 |
| Noninterest-bearing deposits | 11,974,000 | 12,804,000 | 12,968,000 | 12,517,000 |
| Equity capital | 36,783,000 | 37,167,000 | 37,649,000 | 37,863,000 |
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 | 2,655,000 | 5,322,000 | 7,964,000 | 10,489,000 |
| Interest expense | 687,000 | 1,357,000 | 2,033,000 | 2,723,000 |
| Net interest income | 1,968,000 | 3,965,000 | 5,931,000 | 7,766,000 |
| Noninterest income | 17,000 | 42,000 | 65,000 | 83,000 |
| Noninterest expense | 1,504,000 | 3,024,000 | 4,573,000 | 6,060,000 |
| Provision for loan losses | 30,000 | 62,000 | 92,000 | 142,000 |
| Pretax income | 451,000 | 921,000 | 1,331,000 | 1,647,000 |
| Income tax | 160,000 | 338,000 | 480,000 | 583,000 |
| Net income | 291,000 | 583,000 | 851,000 | 1,064,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,454,000 | 36,746,000 | 37,012,000 | 37,226,000 |
| Total capital | 38,063,000 | 38,364,000 | 38,647,000 | 38,831,000 |
| Risk-weighted assets | 128,736,000 | 129,387,000 | 130,773,000 | 128,302,000 |