Call reports 2012
FIRST CAHAWBA BANK — 2012
What FIRST CAHAWBA 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 | 84,521,000 | 87,048,000 | 85,915,000 | 87,560,000 |
| Total loans | 51,260,000 | 53,491,000 | 55,800,000 | 56,942,000 |
| Allowance for loan losses | 606,000 | 855,000 | 792,000 | 650,000 |
| Securities available for sale | 15,343,000 | 14,973,000 | 13,715,000 | 14,053,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,420,000 | 71,922,000 | 70,625,000 | 72,009,000 |
| Interest-bearing deposits | 37,397,000 | 54,325,000 | 51,864,000 | 52,673,000 |
| Noninterest-bearing deposits | 32,023,000 | 17,597,000 | 18,761,000 | 19,335,000 |
| Equity capital | 10,023,000 | 10,049,000 | 10,188,000 | 10,481,000 |
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 | 771,000 | 1,579,000 | 2,393,000 | 3,226,000 |
| Interest expense | 122,000 | 238,000 | 339,000 | 430,000 |
| Net interest income | 649,000 | 1,341,000 | 2,054,000 | 2,796,000 |
| Noninterest income | 92,000 | 198,000 | 288,000 | 249,000 |
| Noninterest expense | 675,000 | 1,384,000 | 2,073,000 | 2,622,000 |
| Provision for loan losses | 50,000 | 303,000 | 353,000 | 353,000 |
| Pretax income | 16,000 | 46,000 | 163,000 | 368,000 |
| Income tax | 0 | 0 | 0 | -116,000 |
| Net income | 16,000 | 46,000 | 163,000 | 484,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,926,000 | 9,982,000 | 10,123,000 | 10,445,000 |
| Total capital | 10,532,000 | 10,680,000 | 10,835,000 | 11,095,000 |
| Risk-weighted assets | 52,843,000 | 54,911,000 | 56,131,000 | 58,418,000 |