Call reports 2012
FREEDOM BANK OF SOUTHERN MISSOURI — 2012
What FREEDOM BANK OF SOUTHERN MISSOURI 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 | 157,166,000 | 154,555,000 | 156,716,000 | 165,502,000 |
| Total loans | 118,713,000 | 120,554,000 | 125,719,000 | 135,037,000 |
| Allowance for loan losses | 1,698,000 | 1,733,000 | 1,780,000 | 1,764,000 |
| Securities available for sale | 15,013,000 | 19,391,000 | 16,288,000 | 15,622,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 145,095,000 | 141,934,000 | 143,421,000 | 150,295,000 |
| Interest-bearing deposits | 135,323,000 | 131,122,000 | 133,832,000 | 134,800,000 |
| Noninterest-bearing deposits | 9,772,000 | 10,812,000 | 9,589,000 | 15,495,000 |
| Equity capital | 11,754,000 | 12,256,000 | 12,871,000 | 12,570,000 |
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 | 1,921,000 | 3,834,000 | 5,802,000 | 7,854,000 |
| Interest expense | 380,000 | 752,000 | 1,121,000 | 1,490,000 |
| Net interest income | 1,541,000 | 3,082,000 | 4,681,000 | 6,364,000 |
| Noninterest income | 140,000 | 279,000 | 403,000 | 567,000 |
| Noninterest expense | 940,000 | 1,915,000 | 2,824,000 | 3,941,000 |
| Provision for loan losses | 233,000 | 457,000 | 667,000 | 777,000 |
| Pretax income | 508,000 | 989,000 | 1,593,000 | 2,213,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 508,000 | 989,000 | 1,593,000 | 2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,506,000 | 11,952,000 | 12,557,000 | 12,252,000 |
| Total capital | 12,786,000 | 13,232,000 | 13,899,000 | 13,657,000 |
| Risk-weighted assets | 101,977,000 | 101,941,000 | 106,938,000 | 112,034,000 |