Call reports 2012
FORWARD BANK — 2012
What FORWARD 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 | 265,540,000 | 270,204,000 | 266,192,000 | 279,775,000 |
| Total loans | 201,356,000 | 204,803,000 | 201,778,000 | 196,169,000 |
| Allowance for loan losses | 2,461,000 | 2,647,000 | 2,563,000 | 2,378,000 |
| Securities available for sale | 24,418,000 | 23,520,000 | 20,774,000 | 19,966,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 204,041,000 | 203,637,000 | 202,225,000 | 210,001,000 |
| Interest-bearing deposits | 163,459,000 | 160,799,000 | 158,452,000 | 158,119,000 |
| Noninterest-bearing deposits | 40,582,000 | 42,838,000 | 43,773,000 | 51,882,000 |
| Equity capital | 29,877,000 | 30,530,000 | 31,015,000 | 31,487,000 |
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 | 2,855,000 | 5,672,000 | 8,446,000 | 11,354,000 |
| Interest expense | 512,000 | 968,000 | 1,399,000 | 1,787,000 |
| Net interest income | 2,343,000 | 4,704,000 | 7,047,000 | 9,567,000 |
| Noninterest income | 861,000 | 2,190,000 | 3,139,000 | 4,063,000 |
| Noninterest expense | 2,686,000 | 5,141,000 | 7,478,000 | 9,848,000 |
| Provision for loan losses | 210,000 | 510,000 | 810,000 | 1,110,000 |
| Pretax income | 308,000 | 1,385,000 | 2,049,000 | 2,823,000 |
| Income tax | 76,000 | 455,000 | 673,000 | 935,000 |
| Net income | 232,000 | 930,000 | 1,376,000 | 1,888,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,331,000 | 24,089,000 | 24,595,000 | 25,167,000 |
| Total capital | 25,792,000 | 26,687,000 | 27,158,000 | 27,545,000 |
| Risk-weighted assets | 204,424,000 | 207,812,000 | 205,976,000 | 203,471,000 |