Call reports 2012
FBT BANK & MORTGAGE — 2012
What FBT BANK & MORTGAGE 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 | 126,835,000 | 123,792,000 | 125,852,000 | 127,264,000 |
| Total loans | 56,035,000 | 58,456,000 | 58,548,000 | 58,205,000 |
| Allowance for loan losses | 1,537,000 | 1,401,000 | 1,404,000 | 1,448,000 |
| Securities available for sale | 54,156,000 | 52,522,000 | 49,762,000 | 43,821,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,224,000 | 96,682,000 | 98,220,000 | 100,433,000 |
| Interest-bearing deposits | 78,621,000 | 77,407,000 | 77,421,000 | 76,702,000 |
| Noninterest-bearing deposits | 19,603,000 | 19,275,000 | 20,799,000 | 23,731,000 |
| Equity capital | 13,955,000 | 14,514,000 | 14,999,000 | 14,230,000 |
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 | 1,410,000 | 2,867,000 | 4,294,000 | 5,740,000 |
| Interest expense | 257,000 | 484,000 | 706,000 | 919,000 |
| Net interest income | 1,153,000 | 2,383,000 | 3,588,000 | 4,821,000 |
| Noninterest income | 293,000 | 582,000 | 879,000 | 1,156,000 |
| Noninterest expense | 971,000 | 1,970,000 | 3,002,000 | 4,845,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 599,000 | 1,133,000 | 1,691,000 | 1,360,000 |
| Income tax | 166,000 | 338,000 | 502,000 | 343,000 |
| Net income | 433,000 | 795,000 | 1,189,000 | 1,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,263,000 | 13,626,000 | 14,020,000 | 13,496,000 |
| Total capital | 14,122,000 | 14,491,000 | 14,879,000 | 14,350,000 |
| Risk-weighted assets | 68,016,000 | 68,691,000 | 68,135,000 | 67,704,000 |