Call reports 2012
SMALL BUSINESS BANK — 2012
What SMALL BUSINESS 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 | 85,271,000 | 87,713,000 | 84,254,000 | 87,651,000 |
| Total loans | 64,488,000 | 61,577,000 | 59,633,000 | 56,727,000 |
| Allowance for loan losses | 900,000 | 886,000 | 800,000 | 784,000 |
| Securities available for sale | 12,488,000 | 12,466,000 | 15,305,000 | 22,083,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,698,000 | 74,029,000 | 71,931,000 | 73,233,000 |
| Interest-bearing deposits | 55,694,000 | 56,678,000 | 56,306,000 | 56,080,000 |
| Noninterest-bearing deposits | 16,004,000 | 17,351,000 | 15,625,000 | 17,153,000 |
| Equity capital | 9,037,000 | 9,252,000 | 9,439,000 | 9,453,000 |
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 | 1,082,000 | 2,134,000 | 3,154,000 | 4,143,000 |
| Interest expense | 169,000 | 329,000 | 472,000 | 602,000 |
| Net interest income | 913,000 | 1,805,000 | 2,682,000 | 3,541,000 |
| Noninterest income | 123,000 | 290,000 | 477,000 | 464,000 |
| Noninterest expense | 696,000 | 1,471,000 | 2,250,000 | 3,066,000 |
| Provision for loan losses | 46,000 | 59,000 | 110,000 | 110,000 |
| Pretax income | 317,000 | 588,000 | 862,000 | 1,152,000 |
| Income tax | 108,000 | 196,000 | 286,000 | 383,000 |
| Net income | 209,000 | 392,000 | 576,000 | 769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,691,000 | 8,873,000 | 9,011,000 | 9,205,000 |
| Total capital | 9,527,000 | 9,702,000 | 9,811,000 | 9,969,000 |
| Risk-weighted assets | 66,852,000 | 66,265,000 | 65,035,000 | 63,410,000 |