Call reports 2012
STATE BANK OF DELPHOS — 2012
What STATE BANK OF DELPHOS 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 | 42,712,000 | 46,243,000 | 46,515,000 | 45,284,000 |
| Total loans | 27,783,000 | 29,359,000 | 31,891,000 | 31,553,000 |
| Allowance for loan losses | 398,000 | 411,000 | 414,000 | 412,000 |
| Securities available for sale | 4,295,000 | 5,115,000 | 3,331,000 | 2,810,000 |
| Securities held to maturity | 5,831,000 | 7,292,000 | 7,007,000 | 6,929,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,778,000 | 35,362,000 | 34,897,000 | 33,415,000 |
| Interest-bearing deposits | 31,012,000 | 29,458,000 | 29,091,000 | 27,689,000 |
| Noninterest-bearing deposits | 5,766,000 | 5,904,000 | 5,806,000 | 5,726,000 |
| Equity capital | 4,034,000 | 4,031,000 | 4,161,000 | 4,284,000 |
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 | 472,000 | 965,000 | 1,479,000 | 1,994,000 |
| Interest expense | 83,000 | 165,000 | 245,000 | 323,000 |
| Net interest income | 389,000 | 800,000 | 1,234,000 | 1,671,000 |
| Noninterest income | 24,000 | 42,000 | 69,000 | 85,000 |
| Noninterest expense | 296,000 | 573,000 | 848,000 | 1,171,000 |
| Provision for loan losses | 0 | 25,000 | 25,000 | 25,000 |
| Pretax income | 117,000 | 244,000 | 430,000 | 566,000 |
| Income tax | 6,000 | 12,000 | 19,000 | 23,000 |
| Net income | 111,000 | 232,000 | 411,000 | 543,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,978,000 | 3,969,000 | 4,098,000 | 4,230,000 |
| Total capital | 4,345,000 | 4,380,000 | 4,508,000 | 4,642,000 |
| Risk-weighted assets | 29,635,000 | 31,618,000 | 33,594,000 | 33,538,000 |