Call reports 2012
STATE EXCHANGE BANK, THE — 2012
What STATE EXCHANGE BANK, THE 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 | 52,941,000 | 49,601,000 | 52,206,000 | 44,704,000 |
| Total loans | 35,223,000 | 34,911,000 | 34,120,000 | 32,614,000 |
| Allowance for loan losses | 1,440,000 | 1,476,000 | 1,519,000 | 1,653,000 |
| Securities available for sale | 4,654,000 | 4,328,000 | 3,808,000 | 3,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,545,000 | 38,097,000 | 40,873,000 | 35,323,000 |
| Interest-bearing deposits | 25,615,000 | 25,109,000 | 24,080,000 | 23,691,000 |
| Noninterest-bearing deposits | 14,930,000 | 12,988,000 | 16,793,000 | 11,632,000 |
| Equity capital | 5,929,000 | 6,095,000 | 6,235,000 | 6,018,000 |
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 | 638,000 | 1,266,000 | 1,847,000 | 2,421,000 |
| Interest expense | 117,000 | 206,000 | 291,000 | 365,000 |
| Net interest income | 521,000 | 1,060,000 | 1,556,000 | 2,056,000 |
| Noninterest income | 21,000 | 114,000 | 132,000 | 148,000 |
| Noninterest expense | 332,000 | 749,000 | 1,051,000 | 1,454,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 210,000 | 425,000 | 638,000 | 751,000 |
| Income tax | 81,000 | 146,000 | 227,000 | 272,000 |
| Net income | 129,000 | 279,000 | 411,000 | 479,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,910,000 | 6,061,000 | 6,192,000 | 5,976,000 |
| Total capital | 6,347,000 | 6,493,000 | 6,633,000 | 6,364,000 |
| Risk-weighted assets | 33,930,000 | 33,523,000 | 34,217,000 | 29,792,000 |