Call reports 2012
ACB BANK — 2012
What ACB 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 | 68,851,000 | 71,255,000 | 71,567,000 | 76,054,000 |
| Total loans | 45,692,000 | 48,160,000 | 50,223,000 | 51,908,000 |
| Allowance for loan losses | 1,016,000 | 1,037,000 | 1,077,000 | 970,000 |
| Securities available for sale | 17,645,000 | 17,093,000 | 15,364,000 | 15,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,645,000 | 60,414,000 | 60,960,000 | 63,158,000 |
| Interest-bearing deposits | 47,243,000 | 47,825,000 | 48,031,000 | 46,440,000 |
| Noninterest-bearing deposits | 11,402,000 | 12,589,000 | 12,929,000 | 16,718,000 |
| Equity capital | 6,752,000 | 6,624,000 | 7,158,000 | 6,651,000 |
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 | 909,000 | 1,846,000 | 2,821,000 | 3,760,000 |
| Interest expense | 128,000 | 243,000 | 351,000 | 448,000 |
| Net interest income | 781,000 | 1,603,000 | 2,470,000 | 3,312,000 |
| Noninterest income | 105,000 | 218,000 | 342,000 | 471,000 |
| Noninterest expense | 480,000 | 941,000 | 1,383,000 | 1,952,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 320,000 |
| Pretax income | 451,000 | 903,000 | 1,641,000 | 1,910,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 451,000 | 903,000 | 1,641,000 | 1,910,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,241,000 | 6,109,000 | 6,757,000 | 6,437,000 |
| Total capital | 6,846,000 | 6,742,000 | 7,412,000 | 7,119,000 |
| Risk-weighted assets | 47,974,000 | 50,277,000 | 51,998,000 | 54,287,000 |