Call reports 2012
CMS BANK — 2012
What CMS 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 | 246,756,000 | 258,220,000 | 264,306,000 | 273,396,000 |
| Total loans | 184,380,000 | 195,817,000 | 204,214,000 | 207,680,000 |
| Allowance for loan losses | 876,000 | 1,055,000 | 967,000 | 849,000 |
| Securities available for sale | 49,494,000 | 53,464,000 | 48,361,000 | 47,938,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 210,422,000 | 213,225,000 | 205,015,000 | 220,061,000 |
| Interest-bearing deposits | 188,733,000 | 184,571,000 | 177,262,000 | 186,710,000 |
| Noninterest-bearing deposits | 21,689,000 | 28,654,000 | 27,753,000 | 33,350,000 |
| Equity capital | 19,096,000 | 19,209,000 | 19,575,000 | 19,783,000 |
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 | 2,741,000 | 5,525,000 | 8,423,000 | 11,255,000 |
| Interest expense | 773,000 | 1,445,000 | 2,043,000 | 2,631,000 |
| Net interest income | 1,968,000 | 4,080,000 | 6,380,000 | 8,624,000 |
| Noninterest income | 82,000 | 167,000 | 278,000 | 462,000 |
| Noninterest expense | 2,527,000 | 4,836,000 | 6,888,000 | 8,889,000 |
| Provision for loan losses | 0 | 185,000 | 435,000 | 518,000 |
| Pretax income | 62,000 | 7,000 | 116,000 | 460,000 |
| Income tax | 31,000 | 23,000 | 66,000 | 199,000 |
| Net income | 31,000 | -16,000 | 50,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,301,000 | 19,327,000 | 19,464,000 | 19,600,000 |
| Total capital | 20,177,000 | 20,382,000 | 20,431,000 | 20,449,000 |
| Risk-weighted assets | 158,336,000 | 167,588,000 | 173,576,000 | 172,887,000 |