Call reports 2012
STATE BANK OF FAIRMONT — 2012
What STATE BANK OF FAIRMONT 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 | 94,568,000 | 95,520,000 | 98,564,000 | 100,759,000 |
| Total loans | 63,891,000 | 66,920,000 | 69,377,000 | 72,587,000 |
| Allowance for loan losses | 1,185,000 | 1,210,000 | 1,430,000 | 1,263,000 |
| Securities available for sale | 24,056,000 | 22,932,000 | 22,668,000 | 23,022,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,010,000 | 80,020,000 | 82,804,000 | 83,422,000 |
| Interest-bearing deposits | 71,665,000 | 72,237,000 | 71,879,000 | 72,827,000 |
| Noninterest-bearing deposits | 8,345,000 | 7,782,000 | 10,925,000 | 10,595,000 |
| Equity capital | 10,940,000 | 11,117,000 | 11,294,000 | 11,230,000 |
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 | 1,134,000 | 2,275,000 | 3,415,000 | 4,478,000 |
| Interest expense | 227,000 | 446,000 | 648,000 | 832,000 |
| Net interest income | 907,000 | 1,829,000 | 2,767,000 | 3,646,000 |
| Noninterest income | 22,000 | 52,000 | 102,000 | 134,000 |
| Noninterest expense | 485,000 | 948,000 | 1,388,000 | 2,266,000 |
| Provision for loan losses | 30,000 | 55,000 | 280,000 | 310,000 |
| Pretax income | 414,000 | 878,000 | 1,201,000 | 1,204,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 413,000 | 877,000 | 1,200,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,488,000 | 10,627,000 | 10,780,000 | 10,783,000 |
| Total capital | 11,391,000 | 11,555,000 | 11,743,000 | 11,800,000 |
| Risk-weighted assets | 71,980,000 | 73,918,000 | 76,545,000 | 81,109,000 |
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