Call reports 2012
DURAND STATE BANK — 2012
What DURAND 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 | 86,726,000 | 87,912,000 | 89,546,000 | 87,875,000 |
| Total loans | 43,741,000 | 43,221,000 | 43,237,000 | 40,823,000 |
| Allowance for loan losses | 822,000 | 864,000 | 931,000 | 682,000 |
| Securities available for sale | 33,996,000 | 33,575,000 | 35,631,000 | 36,844,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,660,000 | 78,407,000 | 78,858,000 | 78,103,000 |
| Interest-bearing deposits | 70,192,000 | 70,867,000 | 70,852,000 | 69,002,000 |
| Noninterest-bearing deposits | 7,467,000 | 7,540,000 | 8,005,000 | 9,101,000 |
| Equity capital | 8,679,000 | 9,025,000 | 9,218,000 | 9,163,000 |
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 | 821,000 | 1,642,000 | 2,483,000 | 3,290,000 |
| Interest expense | 135,000 | 261,000 | 378,000 | 493,000 |
| Net interest income | 686,000 | 1,381,000 | 2,105,000 | 2,797,000 |
| Noninterest income | 124,000 | 226,000 | 326,000 | 393,000 |
| Noninterest expense | 655,000 | 1,311,000 | 2,011,000 | 2,713,000 |
| Provision for loan losses | 55,000 | 105,000 | 208,000 | 255,000 |
| Pretax income | 180,000 | 358,000 | 494,000 | 573,000 |
| Income tax | 24,000 | 46,000 | 76,000 | 25,000 |
| Net income | 156,000 | 312,000 | 418,000 | 548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,471,000 | 8,626,000 | 8,732,000 | 8,758,000 |
| Total capital | 9,172,000 | 9,322,000 | 9,440,000 | 9,434,000 |
| Risk-weighted assets | 57,590,000 | 57,076,000 | 58,381,000 | 55,755,000 |