Call reports 2012
MAGNOLIA BANK, INC — 2012
What MAGNOLIA BANK, INC 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 | 128,615,000 | 124,576,000 | 136,561,000 | 137,781,000 |
| Total loans | 88,471,000 | 91,752,000 | 102,389,000 | 103,418,000 |
| Allowance for loan losses | 965,000 | 1,023,000 | 1,085,000 | 1,190,000 |
| Securities available for sale | 18,465,000 | 21,990,000 | 20,748,000 | 20,940,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 102,391,000 | 100,238,000 | 109,844,000 | 112,718,000 |
| Interest-bearing deposits | 86,262,000 | 85,159,000 | 91,925,000 | 96,255,000 |
| Noninterest-bearing deposits | 16,129,000 | 15,079,000 | 17,919,000 | 16,463,000 |
| Equity capital | 14,708,000 | 15,040,000 | 15,176,000 | 15,409,000 |
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 | 1,538,000 | 3,032,000 | 4,631,000 | 6,126,000 |
| Interest expense | 397,000 | 750,000 | 1,066,000 | 1,376,000 |
| Net interest income | 1,141,000 | 2,282,000 | 3,565,000 | 4,750,000 |
| Noninterest income | 789,000 | 1,776,000 | 3,113,000 | 5,525,000 |
| Noninterest expense | 1,513,000 | 3,254,000 | 5,057,000 | 7,729,000 |
| Provision for loan losses | 50,000 | 100,000 | 225,000 | 325,000 |
| Pretax income | 367,000 | 704,000 | 1,398,000 | 2,223,000 |
| Income tax | 0 | 8,000 | 10,000 | 10,000 |
| Net income | 367,000 | 696,000 | 1,388,000 | 2,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,288,000 | 14,566,000 | 14,679,000 | 14,954,000 |
| Total capital | 15,253,000 | 15,589,000 | 15,764,000 | 16,144,000 |
| Risk-weighted assets | 102,980,000 | 103,385,000 | 116,592,000 | 118,020,000 |