Call reports 2012
STATE BANK OF CARBONDALE — 2012
What STATE BANK OF CARBONDALE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Total assets | 18,460,000 | 17,995,000 |
| Total loans | 9,307,000 | 8,896,000 |
| Allowance for loan losses | 125,000 | 120,000 |
| Securities available for sale | 5,074,000 | 4,048,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 16,523,000 | 16,059,000 |
| Interest-bearing deposits | 13,154,000 | 12,849,000 |
| Noninterest-bearing deposits | 3,369,000 | 3,210,000 |
| Equity capital | 1,661,000 | 1,625,000 |
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 |
|---|---|---|
| Interest income | 178,000 | 355,000 |
| Interest expense | 22,000 | 41,000 |
| Net interest income | 156,000 | 314,000 |
| Noninterest income | 32,000 | 64,000 |
| Noninterest expense | 173,000 | 401,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 15,000 | -23,000 |
| Income tax | -3,000 | 0 |
| Net income | 18,000 | -23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 |
|---|---|---|
| Tier 1 capital | 1,642,000 | 1,602,000 |
| Total capital | 1,767,000 | 1,722,000 |
| Risk-weighted assets | 10,372,000 | 9,990,000 |