Call reports 2012
BANK OF ST. FRANCISVILLE — 2012
What BANK OF ST. FRANCISVILLE 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 | 101,202,000 | 100,767,000 | 99,176,000 | 108,605,000 |
| Total loans | 70,965,000 | 69,860,000 | 70,287,000 | 74,645,000 |
| Allowance for loan losses | 970,000 | 1,078,000 | 1,093,000 | 1,068,000 |
| Securities available for sale | 12,688,000 | 14,601,000 | 14,687,000 | 15,625,000 |
| Securities held to maturity | 609,000 | 368,000 | 258,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,522,000 | 86,947,000 | 85,891,000 | 95,279,000 |
| Interest-bearing deposits | 60,969,000 | 61,699,000 | 59,954,000 | 68,728,000 |
| Noninterest-bearing deposits | 25,553,000 | 25,248,000 | 25,937,000 | 26,551,000 |
| Equity capital | 9,663,000 | 9,637,000 | 9,948,000 | 10,330,000 |
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 | 1,277,000 | 2,576,000 | 3,896,000 | 5,236,000 |
| Interest expense | 128,000 | 250,000 | 348,000 | 427,000 |
| Net interest income | 1,149,000 | 2,326,000 | 3,548,000 | 4,809,000 |
| Noninterest income | 217,000 | 455,000 | 691,000 | 908,000 |
| Noninterest expense | 1,029,000 | 2,072,000 | 3,073,000 | 4,045,000 |
| Provision for loan losses | 108,000 | 216,000 | 287,000 | 292,000 |
| Pretax income | 229,000 | 493,000 | 879,000 | 1,380,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 229,000 | 493,000 | 879,000 | 1,380,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,475,000 | 9,439,000 | 9,674,000 | 10,177,000 |
| Total capital | 10,425,000 | 10,392,000 | 10,634,000 | 11,222,000 |
| Risk-weighted assets | 76,012,000 | 76,104,000 | 76,654,000 | 83,540,000 |