Call reports 2012
BANK OF LUMBER CITY — 2012
What BANK OF LUMBER CITY 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 | 21,260,000 | 23,553,000 | 22,173,000 | 22,086,000 |
| Total loans | 12,070,000 | 11,229,000 | 11,473,000 | 10,570,000 |
| Allowance for loan losses | 163,000 | 127,000 | 145,000 | 173,000 |
| Securities available for sale | 4,213,000 | 4,919,000 | 5,780,000 | 6,450,000 |
| Securities held to maturity | 382,000 | 348,000 | 317,000 | 287,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,935,000 | 19,173,000 | 17,768,000 | 18,181,000 |
| Interest-bearing deposits | 12,780,000 | 14,379,000 | 13,480,000 | 13,951,000 |
| Noninterest-bearing deposits | 4,155,000 | 4,794,000 | 4,288,000 | 4,230,000 |
| Equity capital | 3,971,000 | 3,988,000 | 3,981,000 | 3,454,000 |
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 | 268,000 | 521,000 | 774,000 | 1,039,000 |
| Interest expense | 31,000 | 58,000 | 86,000 | 114,000 |
| Net interest income | 237,000 | 463,000 | 688,000 | 925,000 |
| Noninterest income | 96,000 | 169,000 | 244,000 | 208,000 |
| Noninterest expense | 271,000 | 562,000 | 856,000 | 1,207,000 |
| Provision for loan losses | 23,000 | 45,000 | 68,000 | 418,000 |
| Pretax income | 39,000 | 25,000 | 7,000 | -493,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 39,000 | 25,000 | 7,000 | -493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,866,000 | 3,851,000 | 3,834,000 | 3,334,000 |
| Total capital | 4,029,000 | 3,978,000 | 3,979,000 | 3,505,000 |
| Risk-weighted assets | 14,097,000 | 13,460,000 | 14,146,000 | 13,717,000 |