Call reports 2012
NECEDAH BANK, THE — 2012
What NECEDAH 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 | 33,388,000 | 31,544,000 | 33,562,000 | 32,115,000 |
| Total loans | 21,338,000 | 21,246,000 | 20,936,000 | 21,470,000 |
| Allowance for loan losses | 439,000 | 448,000 | 473,000 | 441,000 |
| Securities available for sale | 6,196,000 | 5,643,000 | 5,209,000 | 5,147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,152,000 | 25,223,000 | 27,247,000 | 26,062,000 |
| Interest-bearing deposits | 20,644,000 | 19,543,000 | 21,286,000 | 19,213,000 |
| Noninterest-bearing deposits | 6,508,000 | 5,680,000 | 5,962,000 | 6,849,000 |
| Equity capital | 4,156,000 | 4,204,000 | 4,137,000 | 3,867,000 |
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 | 346,000 | 661,000 | 969,000 | 1,288,000 |
| Interest expense | 58,000 | 115,000 | 168,000 | 219,000 |
| Net interest income | 288,000 | 546,000 | 801,000 | 1,069,000 |
| Noninterest income | 25,000 | 49,000 | 68,000 | 115,000 |
| Noninterest expense | 348,000 | 614,000 | 904,000 | 1,416,000 |
| Provision for loan losses | 69,000 | 95,000 | 118,000 | 188,000 |
| Pretax income | -104,000 | -100,000 | -114,000 | -361,000 |
| Income tax | -72,000 | -63,000 | -58,000 | -37,000 |
| Net income | -32,000 | -37,000 | -56,000 | -324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,894,000 | 3,896,000 | 3,883,000 | 3,862,000 |
| Total capital | 4,232,000 | 4,200,000 | 4,186,000 | 4,169,000 |
| Risk-weighted assets | 26,951,000 | 24,250,000 | 24,041,000 | 24,386,000 |