Call reports 2012
LEADERS BANK, THE — 2012
What LEADERS 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 | 431,270,000 | 408,731,000 | 399,132,000 | 368,040,000 |
| Total loans | 345,678,000 | 335,438,000 | 316,358,000 | 304,647,000 |
| Allowance for loan losses | 19,451,000 | 18,139,000 | 16,277,000 | 15,907,000 |
| Securities available for sale | 44,482,000 | 41,829,000 | 40,455,000 | 37,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 397,400,000 | 375,988,000 | 369,262,000 | 337,827,000 |
| Interest-bearing deposits | 323,480,000 | 311,502,000 | 302,274,000 | 281,556,000 |
| Noninterest-bearing deposits | 73,919,000 | 64,486,000 | 66,988,000 | 56,271,000 |
| Equity capital | 32,013,000 | 30,518,000 | 27,415,000 | 27,535,000 |
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 | 4,627,000 | 8,633,000 | 12,706,000 | 16,541,000 |
| Interest expense | 1,032,000 | 1,928,000 | 2,768,000 | 3,504,000 |
| Net interest income | 3,595,000 | 6,705,000 | 9,938,000 | 13,037,000 |
| Noninterest income | 640,000 | 302,000 | -171,000 | -246,000 |
| Noninterest expense | 2,782,000 | 5,594,000 | 8,267,000 | 11,123,000 |
| Provision for loan losses | 1,200,000 | 2,400,000 | 5,700,000 | 5,700,000 |
| Pretax income | 253,000 | -987,000 | -4,200,000 | -4,032,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 253,000 | -987,000 | -4,200,000 | -4,032,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,046,000 | 29,644,000 | 26,431,000 | 26,598,000 |
| Total capital | 35,566,000 | 34,017,000 | 30,599,000 | 30,624,000 |
| Risk-weighted assets | 346,644,000 | 336,095,000 | 321,357,000 | 310,181,000 |