Call reports 2012
EDGEWATER BANK — 2012
What EDGEWATER 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 | 130,950,000 | 128,894,000 | 124,419,000 | 123,712,000 |
| Total loans | 104,233,000 | 102,262,000 | 98,350,000 | 90,878,000 |
| Allowance for loan losses | 1,573,000 | 1,559,000 | 1,601,000 | 1,504,000 |
| Securities available for sale | 14,312,000 | 13,873,000 | 15,847,000 | 14,555,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 110,665,000 | 109,506,000 | 106,789,000 | 106,942,000 |
| Interest-bearing deposits | 99,634,000 | 100,509,000 | 96,852,000 | 96,419,000 |
| Noninterest-bearing deposits | 11,031,000 | 8,997,000 | 9,937,000 | 10,523,000 |
| Equity capital | 12,261,000 | 12,333,000 | 12,000,000 | 11,267,000 |
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 | 1,442,000 | 2,818,000 | 4,146,000 | 5,340,000 |
| Interest expense | 302,000 | 554,000 | 776,000 | 932,000 |
| Net interest income | 1,140,000 | 2,264,000 | 3,370,000 | 4,408,000 |
| Noninterest income | 319,000 | 526,000 | 933,000 | 906,000 |
| Noninterest expense | 1,250,000 | 2,488,000 | 3,824,000 | 5,245,000 |
| Provision for loan losses | 140,000 | 230,000 | 790,000 | 890,000 |
| Pretax income | 85,000 | 88,000 | -295,000 | -805,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 79,000 | 76,000 | -313,000 | -829,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,952,000 | 11,966,000 | 11,326,000 | 10,923,000 |
| Total capital | 13,086,000 | 13,065,000 | 12,380,000 | 11,929,000 |
| Risk-weighted assets | 90,282,000 | 88,076,000 | 83,816,000 | 79,989,000 |